Seriously, I think a Nav leaving at the age of 38 has a real mountain to climb. Apart from the old brain and reactions slowing down, there is the cost of the training to consider, together with the lack of a marketable type rating. Competition for jobs is very stiff and most airlines won't look at anyone with less than 1500 hours. Unless a real pilot shortage develops, I suggest accumulating as many brownie points as possible and aiming for the top of the promotion ladder.