I also want to add that if you fall in love with a base and set up roots there, you may be waiting quite a while if you want to stay at that base as a captain. Virtually all of our growth is due to opening new bases. If you're single and have no ties to a particular area, then no problem. But there are many FOs who are bypassing upgrade for QOL.
Good point....now if I could only find someone willing to overpay for a house I might be able to enjoy some of that "home every night" QOL I keep hearing about. "This says the guy that bought a house 1 month before accepting an upgrade...doh!"