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.
Less expensive fitness mats are made of foam or soft fabrics, but they will compress over time and need to be replaced. Cheaper mats also lack traction, which is important if you use your mat on the carpet. Poor traction can also cause your body to slip and slide while on the mat, increasing your risk for injury.