I have never yet found TR to be wrong in his advice. However, on one small point I would caution you--CLEP credits carry very little weight out in academia, in my experience. That's a polite way of saying, I CLEPped like a madman while in, and while Austin Peay State accepted them, the UC (and many more prestigious schools) do not.
Moral is, I would depend on Podunk Community College credits for civilian crossover before I would any test-out/e-course options.