Get out. Regional currency will be achieved in about 3 months. A year of regional flying post retirement gets you 500+ hrs.
It's a 20 yr retirement career. Last years will be $300,000 or more. Taking a $35,000 annual bonus, at the expense of 1-2 years of $300,000 along with being 500-2000 guys more junior for 20 yrs?
The hiring demand will be up, and supply is forecasted to be tighter, in the coming years. That increases the odds that an airline might take you without flight currency.
Currency at one point at "100 hrs in something at least commuter size." For some companies that's dropped away completely or to "anything". Join a flight club and start applying with 100 hrs of currency at least six months prior to retiring. Keep current, and above the 100 yrs in the last year curve, while applying. There's a thread about the timeline, and steps to take, transitioning from AD to the airlines. Search 'albieF15'. I think it's his thread.
AD guys in no flying jobs, but who were flying on the side (CFI's, etc), have gotten hired. Some non current AD guys have gotten hired. I've heard one or two airlines don't require currency for O-6 and above. That might drop lower, perhaps any retiree(?), as the supply/demand curve tightens.
Staying in doesn't add up.