While I am a public employee, there's no incentive for me to understate. Im a Tier IV employee, and salaries and salary schedules are matters of public record. The benefits of each retirement tier are also public records and available online.
-The "High 3" practice has largely been ended because it was considered a bit of a cheat way to get up on your retirement.
-As for medical, its not entirely free and its not guaranteed. As I said its 25 to retire with medical, or 65 years of age. At 65 you likely have a few years on already (because graduate an academy at 60, I'll wait) and really aren't expected to live that much longer.

As for $10k a month is patently false. At 2%/yr first 10, and 2.5%/yr after, figure 20 years is 45%, 25 years is 57.5%. 10k per month is 125k a year, so they'd have to have pulled an average of $250k/yr for 3 years in a row to make that happen.

As for unfunded mandates: thats the Legislature/Assembly's fault for creating the tiers and enrolling in it, not cops.