Dwayne2864,
The Navy has a Limited Duty Officer program where you are given a temporary commision which becomes permanent when you accept O-3. I declined it so that I could retire with exactly 20 years in day for day. My wife got out before retirement mainly due to them wanting to send her to Guam for the last four years. Also, we had two, two year olds and we both just wanted to stay home and raise them. I have been to Sea World, Zoo, Disneyland, Universal Studios, etc more than probably 100 men combined.

It has been a great 14 years and continues to get better.
Your plan is laid out well and a model for many younger ones here.
Have a Geat Day,
Dave