HOOAH! It's a tough call and can be a tough adjustment, just do what feels right, put some thought into it. If it isn't right for you can go back, you know the drill, but if you re-up active there is no backing out. I didn't have a family so that didn't enter into the equation. You could allways get out, get on with a contractor, pocket bank for a year and settle the family down. It's wide open.