What kind of retirement pay does someone get if they retire in the reserves?

OK, people seem to be dancing around what you want to know. Reserve pay is based on total years of service calculated as any active duty time, plus all your retirement points earned in the reserve divided by 360. You have to get 50 points for a good year, but membership points, AT and Drill Weekends alone should put you at 78 points. As an Officer, you will do more duty than the minimum. So with 13 years and 78 points per year, you would retire at 36.25% of your top three years. However, there is a bit of a catch since you have over 10 years enlisted. Officers have to serve at least 10 years as commissioned to retire as an Officer. So you would need to do over 23 years, or you retire at your top three enlisted years. Yes, it sucks, but that's the rules.
If the VA Disability rating isn't combat related, you have to offset that amount from your military retirement. Disability isn't taxed, so it's generally smarter to do it that way, but talk to your VA rep before pulling the trigger on that one.

There are retirement calculators on the web. Just remember that your base pay will be that for your grade/years when you turn 60. If you are less than 50% disabled, you'll get the disability pay, but your retirement will be offset (reduced). Net gain is some tax savings. Also when you're done, make sure you transfer to the retired reserve. DO NOT resign. Retirement will be based on pay at that date, not 60. If you do go civil service, you don't have to worry about a retirement reduction with a reserve retirement as that is under a different US Code. I was able to do 10% TSP (add 5% matching) for 27 years. That worked out to be a tidy number. At 59 1/2, roll your TSP into commercial management to get another 2-3% earnings with the same risk. It's just a matter of creating your future every day. BTW lots of state and local governments have similar retirement plans to the TSP that they contribute to as well. If you don't go with the Feds, make sure you continue your SGLI. It's cheaper than other stuff. If you do go Fed, do the math and see if continuing SGLI, getting FEGLI, or both makes sense. I racked up a 15 year equivalent retirement based on over 30 so that's nothing to sneeze at. That would be 37% of the base. Do the same for some other career, that's another 30-40%. Do 401/TSP and that's another 20-25%. I suggest the goal is to quit at 60 and give yourself a pay raise for quitting. That's what I did.

The one thing some forget and overlook is at age 60 you become eligible for health insurance as well, with most corporations starting to delete health insurance from their retirement plans, that is something to consider.