Is Service assured to 60?
Would FTRS be available in 6 years time?
Is FTRS assured for next 11 years.
Have you factored in the pension claw back to keep FTRS pay plus pension to your full time pay level? I think that rule still applies.
The FPS isn't £37/yr. Join, get advice, leave.
I had an offer to join FPS or similar, they argued how a brigadier would be disadvantaged. I wrote to them and got a very good reply from a 2* who accepted that junior officers would have little sympathy. I didn't join ☺