Is there such a thing as too polite or too formal in the civilian workplace? Yes, there absolutely is, and laying it on too thickly could damage your career.
As you approach your separation or retirement, you will be provided with a wealth of information from colleagues, briefings, computer-based training, and your federally-mandated Transition Assistance Program course. In fact, not only will you receive more information regarding your federal and state-level benefits than the average person can hope to retain, you will also likely be provided with an abundance of conflicting and incorrect information. At the end of the day, it is your responsibility to be knowledgeable about the benefits that are available to you by virtue of your service.