JD Fly,
You stated that you have your ATP. You are good to go. If you have your 20 years military time and can retire with an active duty pension then pull the handles and bailout.
All of the airlines generally allow a 0.3 hour add per sortie in computing total flight time. Also, if you have an ATP then the FAA has said you have 1500 hours so you are good to go. I would start putting my apps out right away to all of the Majors and also to FEDEX and UPS.
Delaying your airline start time to stay in the military a few more years is financially irresponsible if you can retire now and have the ATP already.
The majors are hiring big time and delaying 3 years will put 2,000-3,000 guys ahead of you at most of the majors.
Also, you'll never recoup the money lost by staying for a few more years.
I did 23 years active and went to the airlines 5 years ago -- best decision ever. Feel free to PM me if you want to talk.....
Best wishes and thanks for your service
P.S. -- I assume you are in an active flying assignment and are currently flying -- most airlines will want some kind of recency of experience.