737 type? Do you want to fly the P-8 because of the type rating? Or do you want the mission? Pick the mission...you'll be happier. I've never understood why military people (not a dig..i'm mil) think they have to have the 737 type. I guess it's because for last few years, SWA was the place to be. SWA isn't really the ONLY place to be anymore...and in 10 years there may not even be a SWA. Todays, "place to be" is the "has been" of tomorrow.
Airlines worth it? Like everything else, it depends. If your Dads friends are closer to retirement, they have had a lot taken from them, so I can see their point. Go find guys who live in base, bid reserve and spend lots of time at home and see what they say. It's not for everyone, but there are much worse ways to make a living.
Best advice...enjoy your career! You may realize that you want to go to 20 or get passed over before you can make it that far. You're about have the time of your life...live it up!