I would not base your decision on a belief that you might be with the NYPD in twenty years. Many officers change departments at least once in an LE career in an attempt to better their/their family's situation. There is always another department that pays better, has better benefits, etc., etc. If not that, then maybe you will be thinking about some federal LE job down the road.
Some other things to think about:
Are you willing to work on Christmas Eve or Christmas Day when your friends and family are home celebrating? What about missing graduations, sports events that your kids are in, spring break vacations, and having to work overtime at the last minute when you and your wife had plans? (BTW, your family must also be willing to put up with all these things as well.) Are you prepared to be overlooked when you do your job well, be blamed for something when you did nothing wrong, and be passed up on promotions due to considerations beyond the criteria that you are capable of doing the job better than anyone else? Could you take the life of a 12-year-old who is waiving a loaded gun around in a threatening manner if you had to?
There are a lot of things about being a law enforcement officer that are very tough. Some of them can be life changing events. There are, for those who can make it, also many rewards that one will find in no other job. I hate to be cliche, but only you and your family can decide if it's a good fit for you. There is no need to rush into it--think long and carefully. Ride along in your spare time with some of the locals to get an idea of what it is like. Get to know their families and find out the what they think of having an LEO in the family. I'm sure you can think of other things to do as well.
Whatever you decide, best of luck in your choice.
