Get on with it. 121 regional time is the fast civilian ticket and you'll be well-positioned to catch the big wave. You can probably be at a major before you have kids. Your career progression will be so fast that you can retire early and go back to 91/135 if that's more fun. Seniority is everything; no pain, no gain.
Don't take this opportunity for granted, it's very rare. Fair to say unprecedented.