This is a great thread! Glad to hear others are in my situation that I can share ideas and concerns with. Few people are going against the grain these days, and this separation process in itself is confusing. It almost appears easier to stay in so I can avoid the #$@pain of the paperwork! Maybe that's what their counting on? :-)
I appreciate all the inputs from all the services in this matter, who know what reserve component that we'll end up with?