As carbonfibre said, you'll regret not trying far more than losing the money. If you have worked all those years to get to where you are I am sure it won't be difficult to get work in your current field while you send out your CV.
A lot can be said for life experience and with 200 pax in the back seat a bit of maturity MUST count for something.
Best of luck with whatever you decide but my advice is take a really deep breath and jump in the deep end because as Rev. Lennon said:
"Life is what happens to you while you're busy making other plans."