First year 190 CA pay is $141. Seems to indicate that you can upgrade in the first year. LOS yearly increase is only $1/hr plus the 3% annual bump.

Second year pay the 190 CA pay beats Grp II FO by $27/hr. So even being a line holder wouldn't make the Grp II FO pay more.

Year three the pay difference is $8/hr. At that point a line holder Grp II FO could earn more vs a 190 reserve Captain.

So if you're chasing max bucks upgrading to 190 CA ASAP, especially in the first year, is the money winner. Before you hit year 3 LOS you can bid off(assuming upgrade in the first year).