Thanks all for the honest and valuable input - especially the Monty Python
.
Some clarification: I get the CA bonus of $45K - just don't start as a CA first/second day. They call it NEC or "Near Entry Captain". You need 500 eligible hours of which I obviously exceed, having the 950 needed for DEC. DEC was just very recently suspended.
I do not enjoy commuting at all; however, believe it or not - Envoy looks better than what I had. I was commuting 8 hours to SJU - true I was working 4 and 4, but still kills a day both ways. Then it got a bit better at the next base and I was driving 3 hours to/from while working 4 and 3. Some of those drives lasted all night cause I was fatigued after 13 hour duty days flying 6-8 legs. With Envoy, I figure that I'm down to a 42 minute commute STL - ORD - so getting better. Heck, for me sitting reserve sounds a bit restful. Sure I will come to hate it like everyone else. So, as many problems Envoy may have - there is worse. LOL. BTW - both of those bases required having an apartment in addition to a house in STL. Will be looking at crash pads now - far cheaper than apartments.
Ok - so why Envoy? Fair question. I had a fantastic career in medical R&D. It got unstable with changes in industry. Flying was always a love, but couldn't compete financially (still a fraction of what I had; however, the shortage is pushing it up faster than in the past). To retire at AA (10 year minimum) gives flight benefits traveling the world on a dominate airline with all its agreements on other carriers and that's worth (to me) giving up some QOL and pay along the way. Because I'm short on time before 65 - PDT, PSA, and ENV were the only options because their time counts toward AA total time. None of the other regionals have that. Sure, I could make a go at Spirit, etc. but I'm fairly sure their non-rev benefits are not as strong. And before you downplay non-rev, keep in mind where I intend to use it most is in retirement where time is super flexible. Also, liked the bases and equipment better than PSA and PDT. The pay will come around. I haven't been on property and may not have a right to be optimistic, but I am.
Didn't want to write an autobiography, but several of you had very legitimate questions - so I attempted to fill in the holes. Tried to do thorough homework on this new career. Stayed on track on most things with the exception of the DEC going away 3 weeks ago. Still there is so much I don't know or can predict - so your insight has been tremendously valuable. Thanks!