I’m honestly considering a year 1 upgrade because I’m getting older (prior mil/corporate), and our LTD is directly tied to hourly pay rate. Plus, with premium dried up, and being a commuter, I’d have to credit 140 hours to match Captain reserve pay.

the math works out differently as the pay scale increases, or if you’re comparing WBFO vs NBCA. I’m just looking at going NBFO to NBCA.

of course, all bets are off depending on where the new base(s) are.