Sadly I endorse all of your points. There is not a day goes by where I don't here someone say what is happening to the RAF and its never in a good context.
I also have a "friend". An experienced FJ operator who is nearing his 38 exit date though was offered PA but has declined it. He loved his job but the scales that balance out the enjoyment factor of the job and all the things that p!ssed him off have now begun to tilt in the direction away from him enjoying the job.
Bizzarely he still loves the flying but its time to go. A very difficult decision as its something he has wanted to do since he was a nipper. He has been told that not to expect a greener pasture on the outside and he will inevitablly miss all that is still great about being in the RAF but forget all the bad.
As for job selection its got to be what gives you the best quality of life. There is no perfect job. Netjets gives you lots of flexibility as to where to live and friends who have gone that way say its great. Lots of variety but its still 6 days on 5 off. The big boys BA VA look good but you need to bear in mind that with BA as a FJ mate you go short haul and probably work hard. You will spend upto 10 years maybe more in the right hand seat. On the good side their promotion system is totally transparent and is done on time in and has nothing to do with your ability. Imagine that system in the RAF!!. Isn't ours a bit like that anyway!!
One last piece of advice. Be wary of the doom sayers. Its inveitable as you get closer to deciding to leave that you start to look for justification as to why you are leaving (my friend has found that) and there are plenty around you who gladly join in with you to have a bitch and moan about how really crap things are. Write down a big list of good and bad points in both civvy and RAF life and i'll bet you its fairly tight.
If you do decide to go then throw yourself into it, get your IR and MCC done. The resettlement process is awsome something the MOD has got spot on.
Best of luck to you (from my friend who has weeks to do)