What advice would you have for getting out at 13 years and buying back time vs staying in for 20, retiring and getting a Federal job?

Think on it- 2 retirement checks vs 1?

I left Active Reserve after 13 years and kick myself in the Ass every day over it now and I wouldn't have collected until I'm 60. Remember the other big perk from Retirement, paid healthcare, so add the cost of that into the equation. I have employer provided Health Insurance and it will still cost me at least 5 grand this year. Isn't the new base pay for E-6 with 20 TIS just a hair over 3800.00 a month? So it's $1900.00 retirement pay.
Nothing else, go Reserve or National Guard and finish up those last years. You already have 13 years, so you would get 2.5 percent of your pay for every year, plus whatever accumulated points you had in the Reverse. It's relatively easy for an NCO to pick up more than 100 points a year, so you should be about to add another 2 year or 5 percent to your pay at retirement.

I got out after 12 years and could not get a government for several years.(fairly hard due to hiring freezes). Instead of being retired at 40 y/o I am working on 61 and still not retired. I did buy back my military time and that has helped towards retirement. My advice, If you can hang for another 7 years I would and then try to get a government job.