Tricare Prime Preference Question

Ok, this has long been on my mind, so I'm just going to throw it out there because I'm a curious gal. Why do you military wives avoid using Tricare Prime when you have the option? I mean, when you can use an MTF, but you choose instead to use a provider in town. I used civilian doctors before I was married (not for anything like birth, though), and didn't really think the care was much different from that I receive now. (Except my doctor never deployed to Iraq or PCSd on me, of course!) Since being married, I've only had Tricare Prime and used the Naval Hospital here. I delivered both babies, one with a husband at sea, and have nothing but good to say about it. There are definitely things that didn't work out too well, but nothing I would say is particular to military care or that hospital. What has me really curious about it is the negative impression some people seem to have about military care. We see family practice doctors. They are split between the military providers and a few civilian ones on another floor. The only really negative experiences I've had there have been with the civilians. I avoid them at all costs. It does seem like there are a lot of residents, which is definitely an issue at times. They are hard to get an appointment with which messes up consistent care, and there is the experience factor. The doctor that delivered Wyatt was a resident, though, and she was the best one I've had here yet. I was so sad when she moved to Guam! I'm just really curious why people choose to not use an MTF and avoid the insurance hassles in the civilian world. Unless something horrible happens or it's unavailable, I will not be using in-town care while we are active duty. I just don't see the value of doing that.