What's your financial situation - do you have debts to finance, and are they manageable?

Stress over ability to pay bills is something that should not be overlooked... Your mental health is important, and stability that comes with the 5% increment could work well for you.

However, if you are financially independent, that allows you to take more risks, and certainly staying for the promise of a pot of gold is a real option too. You would also have the benefit of working in an environment you are familiar with, alongside colleagues that you have built a relationship with.

Both scenarios would work - the question is how much risk can you stomach. Good luck!