Before the latest big airline merger I was gonna retire #3 and after the SLI it’s still #3. But in the grand scheme of things, who cares? That’s over 30 yrs from now! Anything could happen until then. Another merger, airline goes out of business, Age 67 (or no age), medical out, single pilot, etc. etc.
By n large doing this sort of math is just a futile excercise in mental mathbation.