It shouldn't take math to prove it's a disadvantage financially to stay in, thats why a "bonus" is offered. If it made financial sense to stay in, they wouldn't need to offer incentives. That being said, theres nothing wrong with staying in, especially if you don't want to fly when you get out. Just don't bitch when you get a 365, they have you by the balls if you sign up for more pain after your 10 years.