u/Background-Seat-2040

I'm turning 55 in August with 28.3 years of service in the government. My position isn't WFA'd, but it seems to me my best alternative would be to take an alternation of a WFA position, as opposed to the ERI option, and take the TSM payout once the position is terminated.

What is the downside of choosing the WFA option that I'm not considering? Would I be penalized for not having the 30 years of service? Seems like a no brainer to me, especially if I'm looking to retire in a couple of years anyway. Help!