I just retired at 20yrs and 3 days.
If you run the numbers, you either have to get out at your first opportunity, at exactly 20 years, or stay in the af forever. Anywhere in between and you're losing money and opportunity. (Brs may change that calculus .... but doesn't effect me).
I've said it before, but I'm nothing special (and many can vouch). I'm a viper guy with almost 3k hours. I've been hired by Sw, delta, and united and invited to interview with FedEx, aa, and a legit aviation mad scientist. And I wasn't trying all that hard. I will have my choice of employers once I wrap up my 4 months of terminal leave.
Ymmv...have a plan and a backup plan...and don't undervalue your experience.