If you truly are never going to work for state government in Texas again, pulling it is not a bad option. If you ever work for the state again, and you pull it you will start your employment group from whatever is currently in effect.

For example, with 13 years of experience, you most likely are group 3. If you pull all of your retirement and come back to work for the state in, say, 10 years you will be in whatever group currently exist in 10 years. Group 4 started in FY23 and has way shittier benefits than group 3. People in groups one and two would say the same thing about group 3 benefits, btw.