You're an ex-T-clone and you're "leaning towards" retirement?
You have all ready printed your ticket to 20...why would you not take it? Hell, the TRICARE benefit is going to be worth it in and of itself in this new [.....] world.
There's not a flying job hiring today that would be worth missing out on that. Could be different in a couple years, but if you have 5 or less years until retirement, then press with big blue.