To swap or not to swap
I faced the same dilema many years ago, my situation was simpler as I was flying the Viscount in the RAF with an easy swap to civil flying, even so I thought long and hard
There are many ex chopper pilots flying fixed wing in airlines, when there is a shortage of pilots the airlines get hungry for experienced crew. There are lots of pilots about at the moment but that stock is dissapearing fast
Be wary of assuming that the pension you anticipate at 38 will arrive. I think a much more likely scenario is the preservation of that portion you have earned and the deletion of the rest from the date of change. It is a mistake to plan future events on the assumption that current arrangements will continue. This is especially so in the matter of pensions and the military, the two combined oh no
If transfer to fixed wing civil did not work there is much civil rotary going on. ABZ is heaving with angry palm trees