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.
Soft waxes: Soft waxes are light and fluffy and are very easy to apply and remove. Some are mixed with a light cleaner, but be sure to wash the car thoroughly first anyway to remove particles that can scratch it. Apply soft wax with the applicator pads provided or with a soft terry cloth rag.