I agree with BGERJMN. As a Reservist I think TRS was great and I consider the Tricare plans very competitive even with increased costs. Much more affordable than even the federal employee plans (FEHB) for equivalent coverage.
As for people leaving money on the table to pursue military work. Pff. Not even pilots can say that. ATC and medical AFSC/MOSs aside, the majority of the enlisted corps enter service under a de facto economic draft construct. If I had a quarter for every dual E-5/6 household living it up well-to-do officer suburbia style (and stretched thin) with no hope of affording the same feat on their education or even their military skills on the outside, I'd be able to fund my own retirement by now...That demographic ain't going anywhere.