The [circa] 10k p.a - that this ends up being - must also be considered in light of a few factors, such as the time it takes to transition to a new career, the likelihood of gaining a 10k p.a rise immediately upon on leaving (in addition to the benefits of Service), the lack of Fg Pay for your final year while you PVR etc.
Many get lucky with jobs and see the light a year or two beyond service. Many don't.
I believe FRIs have their place and work for certain groups. For others they don't hit the mark as we've seen before.