As always, "should I stay or should I go?", that is the question. It's something that only you can answer. Remember, seniority is EVERYTHING in the airline world. Yes, the first year pay hit is painful but if you can land a job at a good airline, life as you know it will exponentially improve compared to life as Uncle Sam's beaaaaahtch. Your wife and kid's may actually get to know you; imagine that! Almost every legacy/major will count fighter/single seat time differently so as long as you have an ATP so I wouldn't worry about the number of hours. Also, find a guard/reserve unit and work on getting 20 good years. Keep the AFRes/ANG as an option and they will take you even if you were a squid, as long as you're not a tool.