if i were you i would do the exams and get the rest of the flight training out of the way. the 14 exams are due to change soon anyway so you dont want to go through all that again.
stay at your current job if your happy with the deal you have.
when you finish flight training, the only thing you need to worry about is not letting you IR expire and and forgetting about it for 7 years, otherwise you will be back at square one. make sure your IR stays current and your fine. its probably going to cost you just as much if not more to do the exams again (ie- study material, course fees and time) than to keep all your ratings current.