go guard/reserve after taking the VSP. youre technically on the hook to pay it back (in 20 years) if you transition to guard/reserve, but my guess is the AF will forget to bill you for it when you retire.

Know what youre getting yourself into. You really have to love the airline lifestyle or else you'll wish you stayed in. Commuting to work sucks, so if you can live in base, that would be the number one driver of whether you choose to stay in or get out. Getting out of the AF just to commute across the country to sit reserve is not going to be all that satisfying.

Also get used to some painful realities: taxes, health care costs, long term disability/loss of license premiums, no weekends or holidays off for the first XX years, perdiem is pennies on the dollar compared to what the govt pays, etc.