No one is doubting your physical fitness abilities.
The issues come from the limited ability to complete 20 years of commissioned service.
Additionally, your enlisted time (assuming that’s all active) makes you a bit of a risk around the O4 level when you may be retirement eligible (20 years total enlisted / officer)
Again everything you are saying is logically true. I'm 44, add 20 years I'm 64, navy wants 20 years before 62. "Communities want people who can do 20 years" All of that is logical and technical and all TRUE. And it's PROBABLE that mine is the FIRST package on the "What the hell was he and his recruiter thinking pile"
My gamble is on the reality of the way things work. We both know hell we ALL know (lots of recruiters here) you take 10 candidates you send em all to boot camp. MAYBE 2 of them stay in 20 years, the others get out for various reasons.
So MAYBE they see me and say "well he can't do 20 moving on" very likely.
OR MAYBE they say "well damn, our numbers aren't exactly great lately.what if we only need him for 6..." I am sure there are plenty of commands that would take a 44 year old JO that can't do 20 years over NOTHING. If I am CNO and I need 100 new intel officers and only 30 applied (just made up numbers for an example, I don't have knowledge of this) I may be a bit more forgiving on the whole "20 years" thing.
That's my gamble, my recruiter looked at all the data and said "worth a shot", I agreed. As far as I know (my recruiter confirmed last moth that my package was AT THIS BOARD). That's all it is.
I'm telling you rules and regulations are all out there and you can look at them and allow yourself to be boxed in or you can take a shot.
Real world? I was completely unqualified for my current position on paper. I randomly applied cause I made myself apply to 10 jobs daily...3 years later I am the SME on certain aspects and if I died tomorrow in would take 12 months to train my replacement. NEVER let yourself look at something and say "the rules say I'll never make it" and then walk away.