Kenny,
Your personal case study is vastly different than the scenario I was alluding to, that is, the proposition of sticking out an ART job until 57 in lieu of an active duty retirement or an airline job. With 16 years of Active Duty service, you are in a much different position and thus the opportunity cost of qualifying all that credit service time towards a FERS annuity with a mere 5 years is not terrible at all. Considering that same AD time will qualify you for a very decent Reserve retirement, your only opportunity cost is the lost seniority of 5 years and the impact that would have in your lifestyle at home as an airline pilot. That's more of a personal contention QOL-wise and only you can figure out what's best for you and your family.
Another option you might want to entertain, is the proposition of tooth-n-nail your way into an active duty annuity via troughing. I've seen it done by several Reservists. Hard to do, but you can't help but slow-clap for the guy when he hits sanctuary as a trougher. The Reserves will fight you every step of the way to ensure you don't get there, but it's not impossible. Many furloughed 9/11 era pilots have done it; trough their asses off, keeping the now almost decade old seniority number at legacy while making every manday USERRA exempt (i.e. doesn't count against the 5 year cumulative limit), get to the brass ring, get paid right meow and bam! Recalled to the mainline job with 10 years seniority. Again, like I said before, fvking #winning. THAT option would be more lucrative than just vesting your AD years with the requisite 5 years of civil service (via ART or otherwise).
Either way, you're in a good place, you'll get paid for those AD years one way or another. Good luck to you in whatever lifestyle choice you end up making. I'm very much a QOL over money guy too, so I completely relate to why a 16 year guy would pull chocks even though economically it would be much more lucrative to stay the course. Life's too short to be miserable for the latter 2/3rds of a military so-called career.
Happy New Year to you and your loved ones and everybody stay safe out there on the friendly and unfriendly skies alike!
:cheers: