I will share my opinion because it is a little different. I stayed in to retire with 22 years (3200 hours) in a single seat jet. Having that retirement pay made the transition to airline flying so much easier, plus I got to fly the jet for a couple of more years. I would say if you are at 14-15 years, it would be, to me, a no brainier to stay in to retirement. When the hiring slows down, you will be at the top of the heap of applicants for any of the airlines.