We're talking past(passed?) each other. It goes back to what I said earlier. Hired 4+ years ago? One could be getting close to 'senior' FO in most NB statuses.
Hired after that? Senior FO is only possible on things like LGA or MIA 737 but NB CA is starting to become a possibility.
Next it depends on age. Hired young? Might want to delay (especially if single and lower fixed expenses) to see what seniority buys. Hired older? Probably shouldn't spend half your career leaving almost 100k per year on the table (especially with a family to take care of).
As always, it's nice to have options to use whatever ever seniority one has to carve out something that works for you.