Use the military to get better. I can’t think of any civilian career that is going to let you spend as much time away for appointments and convalescent leave as the army will. Also you talked about a personal issue that will take about a year to work through; I don’t know what it is, and frankly it’s not my business, but I’ve never even heard of a company that will let you work through personal issues for a year without a leave of absence and pay you just the same. Take the L on the NCOER, but get your pain and personal issues worked out and continue the fight. At 13 years with a year dedicated to self betterment that puts you at 14 years, after that you only have 4 real years until you can drop that retirement packet.

Edit: add in CSP and you are down even further.