Need Advice! New to MED Board Process

I am AGR with 21 years total and almost 18 years of Active Time. I anticipate receiving 75% DOD and 100% VA. Is it worth doing a COAR until 20AFS retirement (Jan 2028). Is it true that your percentage at retirement will fall to 50% and you don't keep your disability percentage (or in my case 75%). In addition, I read that you can qualify for CRDP under a Chapter 61 retirement if you have 20 creditable years (including both Active and Reserve time). Is this true?

Can anyone provide any insight on the process or advice on what to do? I am still in the early stages of the board. Thank you for any advice that can be provided.
 
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