If this was your first thought, then our field is NOT the place for you.
What you are suggesting is intentionally circumventing the system, which is clearly an integrity violation. Not only is this absolutely against the industry's and Navy nuclear standards, it is also not the mindset the Navy is looking for out of its leaders, i.e. commissioned officers.
Also, you start off saying you overestimated your past use, but then say that it was pretty close. Which is it?
Hopefully you understand what is wrong with your questions here. If not, best of luck in life.