As you say...the Spec Pay has clearly failed in its job of remunerating specialists to keep them in the Services if they PVR. Everyone has their own limit of being pi$$ed around...some choose to leave earlier than others, that's just life old chap!
Don't confuse your terms either - Fg Pay, EOD Pay, Submariners Pay are Spec Pay. GEs, Movers and AeroMeds are not technically the same, they get Crew Pay for their roles.
Anyone considering PVR has to consider that loss now...and it's a fairly big one, so unwittingly (probably) enhancing the idea of that pay in the first case!
As a blunty REMF (your terms), you'll be just fine though