You'd be mad to leave now.
I'd have given my first born male child to the devil if it could have got me to where you lot are.
Remind the crew room whiners just how lucky they are having Her Maj pay for all of their flying and having a bloody good time to boot. The civil world isn't as warm and fluffy (Ok granted we don't get shot at, well almost all of us). Just look at other posts of blokes being in 100+k debt and still looking for work, there are some scary stories of what some civvy guys have, and still are, going through.
I'll stop spitting venom now, sorry.