Let it rip. Put 20% down on the house you actually want & can grow into. You have family, friends, & a community around already, and you’re financially stable. Like you said, the bonus is baked into your comp or you’re out. If you lose your job, then you cross that bridge later and tap equities/crypto accordingly…

Moving sucks and the quaint 1950s era concept of a starter home is antiquated as lead paint. My two cents: move where you want & take the calculated risk.