FlyNavy123,
First of all you need to do what is best for you and your family. You have given the Navy and the country more time of your life than most. Just know this, you (and everyone else) are just another number to the bureau. They will send you where they need you. Period, dot. If it happens to line up with what you want, great. If not, well, they are called orders for a reason. No one is irrereplacable in the Navy and it will keep doing its thing with you or without you. So, I say again, do what is in YOUR best interest.
As I am transitioning now, the key factor for the majors is currency. If your current in fixed wing and don't completely blow the interview process, then you are good to go (some caveats). If you go to a non flying tour and then get out, you just bought yourself 1-3 years at a feeder to get current. There is lots of info for Gold Wingers out there if you are interested in going to the airlines. PM me and we can chat about it.
There is also a large contingent of guys flying for an airline and doing reserve VFC, VT, etc. flying. One reason is to get the points toward reserve retirement, the other is for the fun if it.
Anyway, it's a hard choice. But as a friend told me. If you are staying in the Navy for the retirement $$, do the math. You will see that you are leaving a good deal of money on the table. You already know seniority at the airlines is huge. If you are going to jump, then do it as soon as you can.
Be aware that if the Navy PCS's you after your DH Tour and incurs a cost, you will owe the Navy 2 years to the day at your new location.