selling leave/using leave is a individual decision, in my case I sold 50 and used 18, work was not "hostile", but I have no hope for employment physically right now. There is also the matter that you cannot be hired by DoD/fed service while still active even if on terminal, and many contractors voluntarily follow that rule as well, so using your 20 permissive to get affairs in order and "hitting the street" quicker may be more beneficial. understand the wide range of injuries and conditions people face one guy may be 100% due to several things and be able to seek employment, others may only be 60, but cannot work a lick ( like MS or fibro etc.) neither is "winning" or "cheating" the system, its just how the numbers fall. in my case I am currently 90% should be 100% once they fix a few glaring mistakes, and all ready on SSDI, i may be able to work in a year or 5 No body including the doctors knows for sure, but for my "security" selling that 50 days and paying off one more major bill made me feel a lot safer. others may not be in the same boat and choose different.