Seldom
You are far to close to all of this to see the big picture, the deal that people are being given to go is far better than you would ever get in civilian life. The deal takes account of the T & C's that the forces work under.
A fine example of this is a mate of mine, a SNCO aircrew who has just got out, his pension deal is good enough for him to retire at age 54. He is planning to never return to working.( I am hoping that I can talk him into working 3 days a week for us.)
There is no deal outside the military that would support someone from 54. So I think that you should take a long hard look at the world outside, it might give you a more balanced view of the deal offered to those being made redundant