The only reason I was separating is to pursue full-time graduate studies versus online studies. My long-term goal is to start a business, and the lessons-to-be-learned will retain more if I pursue MBA full-time versus online. Plus, master degree makes my application more competitive. Just hitting two birds with one stone, I guess.
I rather try now my everything, in getting commissioned (will apply again on other facets like HSCP and OCS-DCO route while as a student) versus staying enlisted, playing it safe, which just prolongs my end goal of a commissioning (PCS'd, getting settled in on new duty station, welcome aboard eval, etc.).
Plus, I have a Silver Ticket if all commissioning pursuits fail - to streamline back to where I'm at within 1-2 year mark, enlisted-wise.