I would choose to STAY ARMY regardless of the choice, but that is because I am a Patriot. I have never received a bonus my entire career, so I cannot say that is a deciding factor for me, however, if that is what you are looking for, then go for the money. If you want the career move and the training for the outside, take the MOS.
Reclassing is not like doing IET all over again. There is another thread in the Reenlistment section that covered the 68W AIT for prior-service. I can't speak for Sam Houston (nice area though), but other MOS-T courses are much like regular duty only you go to school. It depends on the course and the location.
If you can handle being away from the family and want the training, do 68W and forget the bonus. Remember, once the bonus is gone, you still have to be a 68W and do your tour.
If you want the cash, reenlist for 92F. The choice is yours, but I would go for the training. It would most likely mean about $20-30,000 a year difference on the outside for you.
OIF 1 VET
22 Dec 02 - 18 Aug 03
A/B Co. 2nd BN/3rd AVN Regt.
3rd Infantry Division (MECH)
AEF 8
OIF/OEF
15 MAR 06 - 7 JUL 06
USAPAT-PFD