I dont think that planning ahead (far or otherwise) and carpe diem(ing) is mutually exclusive.
Agreed. No plan has to be written in stone, and your ideas will change with time. Your goals/timeline are not very realistic at the moment, but you will figure that out.
I suspect you would be much happier looking into going into the reserves. The question boils down to your motivation for joining. If you are looking at it as something fun to do, pays you, and lets you continue your education then reserves is pretty good for that.
If you are looking at Reg force expecting to get education upgrades anytime soon, forget it. It is competitive within the Officer ranks for getting more education. You will not get much choice in anything you do. If you are not comfortable with that, then you are unlikely to be satisfied with the Reg F experience.
I found that they have a great way to wean out those people who are there just for personal gain. In training they make your life pretty miserable, and those who are not truly dedicated take a walk -- some take the walk quickly, others realize it after the fact.
I am well educated and I ended up serving as a NCM, something I really enjoyed since I got to roll in the mud and not have to sweat any organization or people problems. If I had to do it again, I think the reserves would have been better suited...but then I doubt I would have landed a tour in time which was what I was really after.
Anyway, my two cents there.