Good point to be had. For the guys willing to stick it out for 20 yrs., think about the time not flying, usually the last few years as a Maj or LtCol, sitting behind the desk. Currency is important during the transition, so hopefully you can stay in the cockpit as long as possible.

Few people walk right out of the military into the "dream" job. Be ready for any flying job, Res or Guard. Flying for the regionals is great experience and a way to build flight time too, hopefully short term.

Good luck to all.