Not sure about Virgin, and cannot remember NJA, but my typical "cleanup" paycheck has about 20 lines of additional pay
Getting called on a day off... double time
Getting called on a day if for reserves...time and a half
Interntional overides
Relief officer overrides
Sick time
Vacation time
Open time pickup on a high demand day
DH pay...in my case nearly 7 hts a month
Training pay
Online training pay ( I did a ten minute procedures module, pays 1 hr)
Rig pay for both duty and trip
I've never made just "base pay x hours" at an airline. There is always soft money or getting paid for hours not flown.. We pushed 10 early today, got in on time, which netted me $30 on my one leg today.
Also, if you're gonna add the extra savings from medical at NJA it's only fair to add the additional 401k contributions from brand x and NJA. You have to look at all the differences that are quantifiable ie: things that are nearly for certain. ( I can for certain max out my line every month, but at NJA you are not always going to get an after midnight or a +12 hr duty day..)