Could be cool if you lose a flat 75% xp when you retire and gain the xp bonus relative to the xp you lost when retiring and the loom points you gain are also relative to this factor, maybe gain a decimal place of a loom point which contributes to a whole loom point?
Also remove minimum level for retirement, or change it to say; level 25-30?
This would cause people to no longer be forced to play until a certain point rather than being able to stop whenever they wish.