Even if you have a shorter time horizon, you will forgo significant savings opportunities by cashing out your TSP. For example, if you are 45, your $20,000 will grow to $53,855 in 17 years. Keep in mind that even if you really need the money, you may be better off borrowing from your TSP account.
Here, in NYS, rubber floor mats take a real beating during the winter. I use Hi-Temp tire cleaner (amazing stuff) and a brush to scrub the rubber, a procedure very similar to yours. Dressing-wise, I apply whatever looks good at the time, though, I've been really liking Tropi-Care's White Pearl as of late.
I've got one of those jelly type mats as well I have had it for years now and it is still fine. I wash it regularly and then go round any remaining mouldy bits with a toothbrush and bleach and then wash again. The first wash seems to loosen the mould so anything left scrubs off easily.