I echo above. I waited until I locked in that 05 active retirement then went to airlines. Did it cost me a few years at the airlines? For sure but this ensured I am financially set (I was about same net worth as you at the time) and now my life is stress free.
As a side note, I’ve noticed when people do the “total earnings” math they don’t really account for time value of money. Like “missing” three years at wide body captain pay from age 62-65 makes a huge number. But if you are already financially secure, that isn’t going to matter. Making $400k vs $200k for three years at the end of your career actually shouldn’t move the needle much at all. $4k+ a month guaranteed starting at 20 years active duty in your 40s? That moves the needle a lot.