NC you forgot to mention that, since we're now doing 18 or 20 years as an F/O you will have to buy and take the risk. You can't sit back and rent on F/O pay for an extra 10 years and recoup what you have lost any other way.
And no, between you and the AOA I haven't yet found any F/O's happy to go 20 yrs right seat. You wouldn't happen to know why KA housing now stretches to 25 years while CX stays at 15?