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.
The particulars for cleaning your yoga mat are going to depend on what kind of mat it is, specifically, what material it is made out of. 1  Polyvinyl chloride (PVC) is used for most starter mats, such as those available at Target, but also for high-end mats like the Manduka PRO.