Everything posted thusfar makes very good sense. I would love to tell a young man to follow his dream into a profession that has, by and large been pretty good to me. However, these are tough times and my advice would be the same as to someone who was in a flying job and thinking of changing companies.
If you have a stable job right now, stick with it!
If things really improve in aviation you can think again, and what you have already achieved can never be taken away from you. If they dont improve, then it would prove to have been an even smarter choice!
Well done for being smart enough to have another career to fall back on! something I never did!!
Put it down to experience and enjoy your family.