Here's how I see it...the only reason anyone, Navy or otherwise, gives you big money to do something is
1) there aren't many people who want to do your job
or
2) there aren't many people who can
That being said, which do you think it is? Do you really think it's that hard to do your job? Is it really that hard to push a kid through the nuke pipeline? Since both of those answers are probably no, the job in itself isn't that hard, and the school was do-able, then why isn't your multiple 0?
Because even though there are plenty of qualified individuals who CAN do the job, not many people want to. I hate 3 section duty. I hate port and starboard more. Duty alone is a good enough reason to leave in my opinion. Go to any civilian occupation and ask them how often they sleep at work. Imagine how much you'd be paid if you were hourly and were at work on 2 separate 24 hour shifts in a seven day period. Now, that covers sea duty.
On to shore duty - 8 section duty sounds pretty sweet...compared to the pain of sea duty. Only the senior most individuals have 24 hour call back in the civilian world, and they are paid a pretty penny for that. They don't have to sign away years of their lives to do it. If one day, they come in to work and say, "can't do it," no one gives them a world of s**t. I agree that one should finish their BS (not an AA) before getting out if they can. But I recommend not STAR-ing to do it. Wait until your EAOS is coming up. See if the Navy really needs you. If they give you A school or Power school, TRF or the pure water truck, sure...