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If you've only talked to recruiters, they may have given you an unrealistically optimistic outlook on your chances. Getting picked up for a Guard pilot slot is VERY difficult and competitive. It's viewed by many active duty guys as a dream job once their commitment is up. I'm active duty Navy, so I can't tell you a whole lot about the Guard side, and I know they do take some pilots straight out of OTS, but it is rare and your chances are not good without any prior experience.
Also, it is possible to get a flight contract from the Navy if you're going by the OCS route - you can apply only for a pilot slot and then if you're picked up by the board you will go in as a pilot. (If you go in by NROTC or the Academy, you have a service obligation regardless of what you select).
Keep in mind that in an economy like this, a lot of people are trying to get in, so getting a commission is going to be highly competitive in itself, and aviation probably significantly moreso. But that doesn't mean you shouldn't try if it's what you want.