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.
How to clean rubber floormats... This may seem elementary, but this is how I do it. (Besides, I like learning how other people do it differently!) These floormats had not been out of the car, not even vacuumed in over 3 YEARS! So they had Dirt, Mud, Winter Salt, Sand, gravel, etc. This is how they looked after I shook the mud off! I used a hose, APC, and a tire brush.