Take the money!
I'm with Bruce1-- I can LBYM and invest the difference to take care of any inflation concerns. I'm outta there at 42.
It's because I've never found Cut-Throat's "dream job", one where it's hard to believe that you get paid for having so much fun...
The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.