I could care less when upgrade comes. The money would be nice but I have always found that those consumed by upgrading made $hitty FO's. They are way to concerned about what is happening in the left seat that they forget what their job is.
I am an FO(SIC)...and could not be happier at NJA. I left the regionals and will NEVER go back to part 121 flying...EVER...EVER...NEVER...EVER. In fact, the single most painful part of flying for NJA is having to travel on the airlines. I almost feel sorry for those still there.....
You will upgrade when the time comes...not a second sooner so worrying about it will occupy too much RAM in your nugget.
NJA is not a time builder....it is a career. I do not even keep a logbook anymore.