If you could ask a former Fortune 100 recruiter ANY question (nothing's off the table) what would it be?

Fantastic questions!
1) Just like you need to thoroughly understand your missions in the military, try to understand the company's mission (broadly) and also the mission of the role for which you're applying. When you understand the mission, then you can pull the skills, experience and knowledge you have from your background and show them how you can solve their problem.
2) Not having a good understanding of the role for which they've applied and not understanding the company's culture. Make sure you don't use too much military jargon/acronyms etc. unless you know the recruiter/interviewer has also served.
3) In the case of the "runners up" it was usually cultural fit and enthusiasm for the company and the job.

Vikki Nicometo Great answers, thanks for the tips!

Capt Richard I P. - My pleasure! If I can be of further service, don't hesitate to give me a holler!

SFC (Join to see) I'm sure Vikki will have a better answer but I will say I've been told that the "over-qualified" phrase is often code for "I think you will be board in the position and leave before you add value in the company." Often, detailing a balance between what you bring to the table, hope to learn from the organization and how you plan to develop within their institution can help allay this fear.

Capt Richard I P. I also believe that is what they may think. Or maybe they think I may want a crazy amount of money? I honestly don't know..lol. But still how can they make a decision without even talking to me and asking my goals with the company? That's what has been confusing me. Hell all I want is a decent job with adequate pay.

Great question. I'll see if I can shed some light on this. First, you must understand that the WORST way to find a job is by submitting resumes to openings. As a recruiter, I would receive HUNDREDS of resumes for some openings. There is NO way I could talk to every single candidate that applied. So we cull through the resumes and find the ones that are the closest fit (on paper) to the job.
That said, when someone has way more experience than the job requires it triggers two issues for the recruiter - first, as the smart gentleman above stated, we think, "hey, I am filling this job now, I don't have to have to do it again in six months when you get bored and find something better!" And you are right about our second concern - we can't afford you.
Now here's where I will challenge you: "Hell all I want is a decent job with adequate pay." My challenge is this - get WAY more specific about both of those things. What TO YOU is a decent job? What do you love doing? What lights you up? Only when you know that should you go try to find what that is in the civilian world (and I can help with this. Message me if you want more info.) Then the second piece - with adequate pay. Again, define what that means. For some people, adequate pay is $40k and for some it's $100k.

Focus on the positive aspects that it brings to the employer. Will you have more leadership knowledge or experience to bring back? Focus on that. New technical skills? Focus on that.
But don't bring it up the part about needing to be out of work more unless you are specifically asked about it. It's illegal for them to not hire you due to being in the Guard/Reserves.