Well either way I know I will be serving in the armed forces. As for the difference of 3 years to my commitment, I'm not too concerned with. I'm more concerned with what school I had a better feel about and want to spend the next 4 years at. This is why USUHS has become a top choice of mine. Another but smaller point is that I may want to do a surgery residency after school. And since surgery residencies in the armed forces are 6 years long, that would add 2 more years to my HPSP commitment anyways. So the difference between the 2 seems a lot less.
1) Most surgery residencies in the military (with the exception of neurosurgery) are 5 years, just like civilian residencies.
1.5) How do you know you are going to still want to be a surgeon when you're approaching the time to decide? Especially with general surgery, the sheen often fades after doing a rotation.
2) A five year surgical residency in the .mil (sans any issues related to GMO) incurs a 4-year obligation that will be paid concurrently with the HPSP-years sponsored obligation and the Minimum Service Obligation (3 years for HPSP and 4 years for HPSP+20K signing bonus according to the upcoming link). If you go HPSP-->.mil surg residency, you owe four years. Read this for an overview from a Navy perspective (but much still applicable to other services. Focus on slide 16):
www.med.navy.mil/.../Recruiters Presentation on HPSP - February 2010.pp
3) And if you can't stand medicine in the .mil, or even just find that the negatives outweigh the extant positives? Do you think that those
three years difference will matter so little then?
My advice: get a little better informed. Understand that there are many rational gambles you take with entering a career in medicine and this is especially so with military medicine. Try to understand that mitigating those risks is important, but is more important at a time that is very difficult for you to see and, especially understand (i.e. pretty far into the future-kinda hard to look 7-15 years ahead (seven being the minimum starting time for a 4 year HPSP and 15 being the end-obligation point for a USUHS-->surgical residency individual)) and understand what will be important/challenging/frustrating/rewarding/worth while. It can be a reasonable-to-good choice for some people (often the best suited are prior service), but blithely signing up for the longest commitment available based on shaky gouge is not a recipe for a happy career. Explore HPSP, USUHS in detail and, as always, keep FAP in the fore of your thoughts when you think time spent in milmed.