I’m no expert, but was Air Guard and they used retirement points for me, not total. I had 7800 retirement points (5800 active, no 1405). I did have some residual/offset pay, but did not receive CRDP until my reduced retirement age. I questioned DFAS twice on this subject, but to no avail. There are others on several forums who received full, right out of the chute.
I had it explained the 7200 points to mean I did not have to make the 30% threshold to receive a disability retirement, meaning the act of being retired vs CRDP (full retirement pay). Not sure if that makes sense.