I made a similar spreadsheet in the 1990s to show my wife how much money we could earn if I switched careers. Best came-worst case scenarios, with income calculated out to age 60. I used the current and projected pay for every airline, aircraft, and did the math for various upgrade times.
Lets just say it only took about 5 years for the “reality pay curve” to fall way below the worst-case curve, with no chance of ever making up the difference.
All that said to tell you it’s pilot folly to even attempt to calculate your income over the next 37 years based on bidding the 190 vs 320.
Short answer? Bid JFK 320, move to base, and VDA. Stay in JFK, take the first 320 upgrade. Retire at age 65.
Long answer? When you get wives and kids and a house full of stuff, your desire to improve your QOL, not your paycheck, will drive your career decisions.