No apologies needed. YMMV means your mileage may vary or to be more specific, your experience may not be the same as everyone else's.
Congrats! Getting in with Navy will pay off big time in the long run. You can request a CLI @ 6 mos (or any time you want, really), but it will be a HP. They review accts for auto-CLIs periodically. If you don't see one at 1 year, definitely request it.