For all of you "doing the math" and coming up with these "what if" scenarios, realize that people were doing that back in the 1990s and I can guarantee you not one of their predictions came true.
Like anything, an airline career is based in part on timing. Some of the guys at my airlines were hired during the good times, made captain and have been in the left seat through most of the "bad years". Other guys got in right at the tail end of the 1980s hiring wave and they've been sitting reserve as an FO for the better part of 25 years, and furloughed 1+ times.
The airlines isn't a panacea. It will not cure cancer, make you rich or make you happy. If you love flying, you'll enjoy flying for the airlines, but it is a change in pace, especially in the beginning. The first few years, you won't have too much control over your schedule and you'll be going into work as everyone else around you hits the lake or heads out to see family for the holidays. But given the realities of airline staffing, your schedule likely will get better. Short of a massive economic hit (where we're all pretty screwed), you'll still go up the seniority list. The mandatory Age 65 rule will see to that. Even with us losing about 250 pilots a year to mandatory retirement, we're losing almost as many to medical retirements (it's a lot harder to keep your Class 1 when you're 62-63)...and to that issue, we're still understaffed somewhat, despite hiring constantly.
For those of you that don't really care if you're flying an airplane or not, I'd suggest finding another way to make a living, because the first few years are going to burn you out. I'm writing this from my crash pad, having had to say goodbye to the wife and kids on Labor Day while all my other friends are out barbecuing. I'm betting on quick movement up the list to where in another 2-3 years I'll have weekends off and maybe even some holidays off. As for vacation, having a legitimate vacation week off when you want it will still be further down the road, but as they say in this industry, "that's what sick leave is for".
My advice...forget the number crunching. Do what you think is best for you and your family. If you can find a AFRC/ANG gig nearby, then it's nice insurance, additional income during those first couple years, and a good way to get to 20 and get something for your troubles while Active Duty. If it would require commuting somewhere else to do it, I'd forget about it because it'll cost you way too much in QOL to make it worthwhile. If you love aviation, fly for the airlines. If you don't, then don't. I enjoy my job even though I'm pretty much at the bottom...so in my opinion, it'll be an awesome job once I have some seniority and relocate to live in-base.
As for the bonus...you'll never be happy if you're chasing money. If you stay in, do it because it's the right thing for you and your family at the time, and if the military pays you a little extra for the decision, then great. Otherwise, pass on the money and find the opportunity you're looking for elsewhere.