All great advice listed above.
A happy medium would be to transfer to the guard or reserves. You would not lose credit for your service, rather you would delay the retirement benefits. You could also, potentially, get a IERW slot in a guard or reserve unit and that would look great on your career as an airline pilot. Also, the Army Guard and Reserve have more FW aircraft than most realize.
The drill checks are a great way to supplement your Regional FO pay and TRICARE Reserve Select is cheap and is a great insurance.