You're right most of ALPA tops out at 12 years, doesn't change the fact that the bean counters make the budgets based on those leaving at age 60 which incidentally as you mentioned, includes guys that are topped out.

But the real issue is why do you think your carrier expectations are more important than the guys in their 20's and the guys in their 30's? I can't speak for the guys in their 40's as I'm not there yet, but speaking as someone in their early 30's, my career goals would suffer as a byproduct of raising the age. Before anyone brings up tragedy into the equation (a la 9/11), age 60 is a controllable factor in this equation, catastrophes are not and we're talking about things we can control.

So again, respectfully, why are your needs more important than mine?