6 years until retirement?
I'd separate, get that career airline job, and find a home with the ANG or reserves somewhere.
10 years ago, we asked these same questions, did the spreadsheet analysis, and came to the conclusion that it was pretty much a wash, so long as no furlough or bankruptcy took a large crap on the airline career.
Today, totally different story. Put in the separation papers tomorrow and get AirlineApps all fired up.