Pylot
Speak to your desk officer, mine was more than happy to defer my 38 point decision for 3 months.
The FRI at 38 is still 50K - although it might change by the time you actually get it. (ie on your 38th birthday). So, if your 38th birthday is before 1 april next year you should be ok - after that, anyone's guess!
As far as I know the actual figure is reviewd every April. The need for the scheme will be reviewed by the next AFPRB report.
Still, that's assuming that Mr B liar and mr 8 jags leave us an Air Force!!