I separated from the Air Force in 2002 and transitioned to the ANG. I got my ATP in 1994.
I took the FE written 4 times...1992, 1994, 1996, and 2000....
My advice to all military bros lurking the site is simple. You can always update your profile once you are in, but you need to get it when the window is open. So, do a search for an old post called "timing your exit" for some general ideas. For specifics, here is what I would do...
1. Invest the $2000 or so and get an ATP on a long weekend somewhere. Plan it as part of a vacation for family if you like, but deciding to wait until you are either getting out or the airlines are hiring can put you in a rush. Additionally, how CHEAP do you think you could have done the course during the recessions? If you see a lull in your calendar go ahead and knock it out--they won't get any cheaper. Additionally, they don't expire, so there is no penalty for applying now.
2. FE written tests can be updated. Do the gleim book or Sheppard Air course, and even if you get a 72 get in the system. You can always retake the test and update it with your 98 or 100 you nail it on later. If you aren't leaving the military for a year or two who cares if it sits at 72 as long as you updated it during the year or so before you get out?
Having been in operational fighter squadrons for the first 10 years of my AF career, I know how busy things can get. At the same time, you have to invest in your future. Why not do it now? Get it done, and then you are that much closer when the big day finally does come and you start your transition to this great career...