Prior UPT IP,
This surprises me, and I have to believe you just have an aggressive flight commander or something. When I spoke to students at UPT I always framed the discussion around keeping doors open, making sure you checked your boxes so long as you found it acceptable while in so that you had the opportunity to stay in and be promotable or get out. That means doing SOS/ACSC, that means getting your ATP, that means playing the volunteer for XYZ crap job for OPR fodder, as well as keeping your records up to date for future applications.
Your IP's if they are making statements like this have failed in their role to be leaders / role models. I've had commanders in the past make statements like this, and they are all eating their own words now because they believed the economy would remain stagnant and the that military's gravy train would forever be to coveted to give up for uncertain job prospects outside. Their leadership was based on attempting to frighten their squadrons to shut up color and enjoy their pay check.
Fact of the matter is we train pilots, period. Good ones at that (well mostly when we can push back on the all important PFT). That means we produce great Military pilots, that equates to great Airline pilots. Am I going to miss military flying once I hang up my green flight suit for good? Sure. Am I going to regret making a decision that protects my families future and my own sanity? No.
Don't sweat these remarks too much, hopefully they are the exception not the rule. If they become the rule then maybe it is time to run as fast as you can. (Though your commitment is 10 years so maybe getting jaded now isn't the best idea =P)