That’s precisely why you’re stuck. Every decision you’ve made, all the status quo you’re holding on to, the fears you have–they’re all reasonable. This is a mature, apparently safe series of choices. Congratulation on being wise and careful.
The only way to get out of the spot you’re in is to do something that feels unreasonable, that’s unreasonable in the short term, that a similar person in a similar situation would say is unreasonable.
Because if that wasn’t the case, then you wouldn’t be stuck, would you?
If you truly want to get unstuck, if you want to move to higher ground or do something more worthwhile, the first question to ask is, “Am I willing to be unreasonable, at least for a while?”