I have never flown a trip with another pilot who said "yeah..quitting the reserves was the right thing to. Glad I got out...." I HAVE flown with a bunch who have said "yeah...I'd have been retired from that gig years ago..." or "...I am enjoying these checks that just started showing up..." Staff, points only, or something...but don't give it all up. Time goes by faster and faster the older you get...