If you aren't gonna do a scholarship for the money, then don't do the scholarship at all. Too many people say not to do the HPSP for the money, but that's a big reason I did it. If you are not doing the HPSP for the money, then just go active duty after residency and don't let the military pay for any of your education.
Why do you think the HPSP is only worth it if you plan on being a career officer? I think I will only pay back my committment and then I will only be 39 years old. I will have plenty of time to make money. Now some branches have better residency placement than others, which is why I chose Army.
A significant portion of my family has been in the military and so I also joined for personal, familial, and national pride and honor. I feel everyone should serve our country in some way possible and this is my way of giving back. I was gonna join the military regardless of the HPSP but I figured I would get free schooling and a bonus out of it. OP, if you have specific questions, PM me