Last guy I saw with a "bloated pension" was a Congresscritter. They get 2 years service time for each year actually served.
Well, you gotta admit that CERS is bloated compared to FERS.
Let me put it to you this way: would you trade your pension for what the “newer” feds (hired since the 1990s) get?
Would you give up 70% of your salary for the tiny Thrift Savings Plan that’s been losing $$ right and left?
Pensions are old school and a thing of the past—you are lucky you have one!