Double check your numbers. Remember, your numbers are percentage based off the "High 3" (if I understand your timeline correctly, that's the retirement system you're under), i.e., an average of your highest 36 months of pay. If you're an O-5 for less than 36 months, you won't be getting X% of that, it'll be a blend of your O-4 & O-5 pay (further complicated by annual CoL raises). I don't know if you included that in your calculations, but your $1,000 / mo (or $800 / mo in your numbers above) estimate seems potentially high....

As others have said, only you can decide--but, one more opinion to add to the pile, take the retirement NOW, get hired ASAP, and enjoy the benefits of seniority sooner, both financially & QoL....

Good luck!