Define Bumming.
In our world, we have guys "troughing", which means you're a part timer with no other job and so you try to get continuous orders. If you can get them more than 30 days at a bite, it's just like being on active duty without the bonus.
0-4 pay is just under 100k with full military benefits including all the tax benefits, including no state tax (if you do it right).
I think in a heavy unit, you'd be able to pull down a good amount of tax free per diem if you were a "trougher".