I mean, the reason you're getting that much is due to the experience and creds you earned during service. I can't even post into real security roles at my current company because they only want external candidates with federal experience. They post internally for 1-2 days as a formality. Even then, most of those roles are under $120k. The only roles available to me are shitty ones like application security champion and managing/configuring SAST tools.

Also a major point not covered was defined benefits vs the 401k model.