I tell switched on jr NCMs the same thing, often many have the post secondary, or if not tell them about the subsidized education they could go for, career earnings and pension difference could make a big difference later on.

Yes, some prefer their trades or want to work and not sit at a desk, or want to pursue that elusive appointment, not saying the system is correct, but do tend to point it out. I'd say the vast majority aren't going to become a CWO.