This is correct. You can still apply for Guard and Reserve unit boards though since most of them won’t require you to start doing all that stuff until after the unit selects you.
If I could turn back the clock, I’d put all of my efforts into rushing Guard/Reserve units (which in your situation would mean getting a good chunk of flight time, preferably a PPL). If you still haven’t gotten hired once the age limits start creeping up on you, then start considering Active Duty.
The Navy’s age limit for no prior service is really low — you have to commission by age 27, so if you’re just as open to the Navy as you are to the USAF/USAFR/ANG, you might want to get the ball rolling on that by the time you turn 26 so that opportunity doesn’t escape you. I was a former Navy OCS select (disenrolled due to a family emergency and then busted the age limit) and I thought it was the easiest selection method. As long as you meet the minimums to apply, doing well on the ASTB is practically guaranteed to get you selected. I also found the ASTB easier than the AFOQT and my scores reflected that. I got picked up with a 3.11 GPA, 1 hour of flight time, decent letters of recommendation, and a pretty unimpressive background. The only thing I really had going for me was good ASTB scores (60 9/9/8). Flight hours aren’t a part of the equation, unlike the Air Force PCSM.
If you’re not all that crazy about the Navy then I’d say to forego applying since that will give you another few years to keep rushing Guard and Reserve units. Since the age limit is to start UPT by age 30, most units will stop considering you around your 28th birthday. The Active Duty AF accessions OTS boards also requires the timing to work out so that the selection board meets prior to your 28th birthday (might be waiverable, I’m not sure). So if you still haven’t had any luck and time keeps ticking, I’d put it an Active Duty OTS application last.
You’re in good shape for any of the avenues as long as you get some flight time, can snag some solid letters of recommendation, and aren’t a douche.