Tough call man. I was in a similar boat about 10 years ago, but it was pre the hiring boom and I had no idea what I wanted to do when (if?) I grew up. Staying to 20 was a no brainer for me. But different times.

I recommend you talk to closest reserve unit and checking your options. I seem to recall complications in getting picked up as a passed over dude. Again, different times now.

If reserves are an option, you got a spreadsheet to build and some tough conversations to have with the wife.

FWIW, I stayed in and my last assignment was by far my best. I didn't want to retire as an O4. But being a terminal O4 added some fun to those last few years.

Hard to give up that active duty pension. And the health care is pretty nice.

Good luck