Good post JP.
A distinction worth mentioning: getting 20 years of "points" (or 7200 points, or 7300, or 7305 depending on who you ask) doesn't trigger an active duty retirement because AD time converts to reserve points but not the other way around. AD retirement only comes from 20 years of active duty time, which any Title 10 orders qualify for of course, and for guard/reserve guys is considered an AGR retirement (per Reserves AFPC). Big picture - points earned doing things like ALO or CAPRAP as a Cat-E reservist for points only, TR drills, etc. don't get guys any closer to their AD 20 requirement. Kinda threw a big wrench in my original plans when I discovered this; I was planning on being a Cat-E guy for five years or so to finish out but scrapped that plan when I figured out it'd only earn me a normal reserve retirement at age 60.