A critical question in your calculations is: how confident are you that the benefits you get from action X, won't be terminated or significantly decreased by the time you complete action X?

I have serious doubts that the retirement benefits of federal unemployment will remain unchanged for eight years. In particular I expect eligibility to be delayed and to require more actual federal employment, and medical-care benefits to decrease.

You of course get to decide if you agree with me, think retirement benefits will remain unchanged, or some third course...

... and then, what to do in response to whatever you decide is likely.