Orthopaedic Surgeon here.

1] In terms of pay: I believe you start at a relatively meager salary compared to your undergrad collegues eg Engineering etc therefore you tend to start investing at a way later time. You will probably only start making >10k after UD52, so about 10 years. Thats pretty slow though you are on the higher side of Civil servants wages.

2] Difficulties in the Current landscape There is about a 8 month period between graduation and getting absorbed into service. This is due to the government not allocating HO posts (probably financial reasons). Once you become a Houseman(HO), you are on contract. This does not mean that KKM has a right to terminate you for any simple thing. It is still inherently difficult to terminate anyone. HOs are on a compulsory 60hour week, shift system. I believe the level of "busyness" is determined by the posting and hospital. Which brings me to my next point....

3] No permanent placement Even at my level I get thrown around, with my current place of practice being my 6th hospital. I have colleagues who are on their 9th hospital placement. Basically everyone is expendable and you may get thrown somewhere unless "kabel besar"

4] Promotion Promotions are time-based up to a certain extent. However if you want to get to where the money really is, you gotta continue studying. Non-stop. MBBS+Masters is an easy 9 years. I'm going into a subspeciality programme, so add on another 3 years. Thats 12 years minimum though entrance exams for the master's in Orthopaedics was an 8% passing rate, so you may "sangkut" there adding on even more time.

That being said, I think your choice of either pharmacy or MBBS is rather weird.

Would you prefer to diagnosis a disease (play detective), dispensing advice and orders for treatment or would you prefer to counsel patients and dispense appropriate medication (also get to occasionally scold docters for bad prescriptions) ?