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This is forgetting to account for the accelerating expansion of the universe. Even if one were to depart from Earth today, traveling at light speed, 94% of the observable universe is already impossible to reach. See this excellent video for more detail: https://m.youtube.com/watch?v=uzkD5SeuwzM

For the timelines we are discussing here, sure there will lots of new discoveries in physics. And who knows may be somebody will toss out what we know today and come up with something new, where none of these limitations we know today apply.

Still, the observable universe is only a small fraction of the whole universe (we believe, based on spacetime curvature, I think).