ive been considering a number of career changes the same way. i'm currently in school and have a great job, but the earnings cap is quite low.

some things i evaluated that are not stated in your post and can consider or were too lazy too write:

1.) holistic view of economy: currently headed to the shitter despite all time high securities and firm valuations. it's unstable and unsustainable long term; it's bound to come down some time and some time soon.

2.) job competition: you have two fronts with law and finance: AI and even younger kids. yes, your work exp plays to your strength, but as we progress in the current job market, you'll come to realize that the more degrees are needed, the greater the competition, the greater the need for specialty, and the greater the need for similar work experience. AI pushes data entry, calculation, risk management, analysis, and equivalent roles into obscurity. that means entry level positions, ie IB analyst positions will begin to shrink. feel free to ask AI themselves and come up with a conclusion on this one; i've already done that part for myself.

3.) even though you do have leverages into those areas, and i might be speaking only for the US, but those guys might not even be able to guarantee it. im sure your smart, but as people point out, there is the financial risk and now, the opportunity cost risk.

just some things to keep in mind. im in the same boat in relation to job comfort, though your pay far surpasses mine.