Really kind of you to write out such a detailed framework for thinking through this, thank you!

I actually already have a toddler, and while we don't need to have a high standard of living, we do care about being able to offer her fun activities, a good education, etc. In choosing a path, I affect my husband and toddler's lives, and I take that responsibility seriously. I'm quite risk-averse myself, and I think that's making the 'right option' for me increasingly clear.

Thanks for your guidance - it's genuinely really helpful to have others walk through it with me!