Yeah.. Problem is staying until 20 if you do that nowadays with the less than 100% LCDR screen rate.
I remember being told, in 100% seriousness by a CO "Pass the PRT, Don't go to Mast, get a DUI or an Adverse FITREP, and you WILL make LCDR.. DH might be a hard one though"
I'd say you probably have to wait until after LCDR screen to go "off the reservation" and be able to do it with impunity. I've gone so far off the reservation, I ended up in another one and went off that one too. Still glad I did it, but the whole "in seven months I won't have a job, and if I'm lucky, I won't be getting out from the middle east" is staring me in the face right now.
Master, You are so doom and gloom these days. Relax. You will be very marketable SELRES as 'junior most available' that you will be a shoe in for any reserve squadron. Fly, work some job (Pharma, anything,...) build time, and then work half the month as a airline guy. Most passover guys end up making out like bandits in the reserves. Oh, and they don't get booted out of a reserve squadron once they make 0-5 because they make it a few years later than their peer group. I would be willing to bet you that your quality of life will be immensly better in 9 months than it was the last 9. The only thing that sucks (and it is a small suck) for you is that you don't have the flight time now to get on the airline gig. My 2 cents- which is worth less and less each day!