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<<In my 22 years in the Army I was told multiple times to make a copy of my medical records prior to retirement.>>

Yep, I got a copy of mine at separation after 8+ years in the Navy. He understood to do the same -- and immediately get in and get classified for hearing loss he'd obviously had already.

There was some foul up with his records at his unit got extended on station (Syria, red line of deat fun) and he had to fly out thru Naples to separate stateside. I think that's where things got messed up. His records were probably behind him on the boat when he left on orders to process out so he couldn't get a copy at the time of EAS. He followed up in the year after EAS and that's when the records trouble started.
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