Stay!!
Stay in. Did 10 years active and another 8 flying VR as a drilling reservist (and finishing up my last 2 in a CV unit). If I could do things over I'd go TAR, now called FTS and fly VR, man that is the best gig in the Navy and almost no one knows about it. I tried to go FTS when I saw what a good life they had but was too senior and had to stay a drilling reservist so I don't get my retirement until I'm 60. Even if you can't go VR stay in. The airlines are dumping pensions, cutting pay and benifits, screwing you in work rules and there are no guarantees they'll stay in business or that things won't get worse. I was in initial class with America West and the oldest guy in the class was an Eastern pilot who was basically starting over. Believe it or not you'll probably spend more time away from home with the airlines than with the Navy, especially if you commute, only it will be in 3-5 day blocks instead of big chunks like dets, work-ups and cruise. Of course with fewer Carriers and no real stand-down after cruise and going right to sustainment ops, that may not be true now. You're also making a lot more right now than you would at a major for a LONG, LONG time. I got called up for 6 months in 2004 and couldn't believe how much a full time 0-5 makes now. If I did it again I'd stay in, even for the 2 year disassociated sea tour I was up for when I punched out. I know west coast F/A-18 life sucks, but you've been doing it and like they say "you can get used to anything." Point is, the getting used to it part is the worst, and you're past that. Don't forget you're coming up on a 3 year flying shore tour, even Kingsville's tolerable when you're home every night.