Another thing to consider is job security. Airlines are feast or famine. Right now it looks like becoming a pilot is a no-brainer but when the next recession hits you might find yourself in the unemployment line.
Once you CPC in the FAA it’s almost impossible for you to lose your job, like it’s a nonissue. Not many jobs are like that. I used to worry about what if I lost my medical, but now I realize they just give you a desk job with comparable pay or you get to retire!
That, plus the good pay if you’re at a higher level, plus early retirement is a pretty sweet gig. It’s really just a matter of whether or not you can stand the schedule. I don’t think it’s the worst thing in the world, but if you do, this job probably isn’t for you.