15 months of punching the clock and retire... Active Duty life isn't getting any better. Deferring a pension check an additional 20 years this far out is foolish.

Have you been medically cleared and returned to flight status? If not those could be some sizable hurdles to jump through. Even if you do get cleared- you've already seen what can happen when you get DQ'd. Do you want to risk getting DQ'd again only to retire then wait a decade or more until you get your pension?

If it's the money you're worried about, got to the ISR contractors to get current, otherwise suck it up at a regional...

IMO you're better off walking away with a pension and flying on the outside than taking the gamble that the next 20 years bumming will be worth the deferral of the $/bennies.