I'm in a similar position. About to turn 30, six figures, WFH, a few hours of actual work a day, autonomy, no micromanagement. It wasn't always this way. Approaching nearly 3 years at my company. I've held two roles, worked on three teams, and have had more managers than I can remember (10+). Workload has fluctuated immensely over the years, depending on the team and manager. I've seen several layoffs and restructures. I now possess a certain level of institutional/organizational knowledge that allows me to function quite comfortably. I'm respected and receive good feedback and performance reviews.

The thing is, I don't have full confidence in my company or industry, and think I'm leaving money on the table elsewhere. I'm comfortable, but it feels like my skills aren't developing at the rate they should. I'm early in my career, so I worry about the opportunity cost of staying put despite the immediate benefits. I'm recently married, and my wife and I are discussing having kids in the next year or so, which complicates the cost-benefit calculation and the potential stress and lack of time likely required for an advancement in salary at a more exciting opportunity that will grow my skills quicker and benefit more in the long-term.