For the OP, I was in a similar situation,15.5 yrs served out. Ultimately it becomes a money vs quality of life decision, and you have to just decide whether you are going to take the risk. I had all single seat single engine time myself and just over 2k hours...didn't matter. Right now is a phenomal time for the close to retirement dudes to make this gamble. I heard crickets for 2 months but then 3 majors in one week emailed. Several other invites trickled in over the following 2 months. Got hired by my 1&2, and never called back for the brown interview. I didn't like filing for separation and then not hearing a thing for 2 months, but I chose QoL over money, and I can say my life is amazingly more enjoyable now. It really is different, and seniority importance cannot be understated. The majors love former mil, and I would argue those separating and not getting calls either aren't active flying or have errors in their app they haven't caught yet. I've even heard stories of dudes who aren't active flying getting calls from majors now. If money didn't matter, this question would never come up for 99% of us, so the real question is how much money in the bank do you want to die with because that's all this fork in the road is about.