When we look at the Body of Christ , we focus on th efinished work at the cross to redeem mankind from the Original Syn of Adam!
When anyone detracts from the Savior's life giving Grace in order to confuse or distract it is good to seek an answer from the best authority, which in this case is not Luther but Saint Paul. Paul wrote most of the "rest of the Bible" I suggest you study inside the Epistles of Paul, rather than a "contemporary . The entire story of salvation is perfectly spelled out by Paul!
When Luther began to read what Paul wrote in the scriptures his catholic eyes were OPENED!