My dad has been thankful that he had AF retirement after several periods between jobs. It's a great safety net. I agree that striving for AF retirement is a personal issue. If you love the AF, stay in as long as you can and enjoy the benefits.

I'm ready to get out with or without VSP (why do you think I'm trolling the Airline Pilot forums?), but I'll wait a few more days to see what happens.

I think that SBP is a horrible plan, but I'm sure there are a few whose spouses are glad they signed up.