At $200k p/a, sounds like you can afford it, actually, from experience, I can tell you that you can. Now do you want to make money, arrrr, then you have to get into the shiny jet.
At what point can you clear $200k p/a in this industry in a shiny jet? Wide-body skipper isn't it, taking into account that QF will never hire another pilot. So how many years is that; 0 to wide-body skipper at VA or J*? 10-15 years minimum would be my guess, and that's once your in, so maybe 15-20 years.
So if you decide to make this move, when is your break even point; not when will you earn what you are now, but when will you have cleared the deficit between your current pay and what you are going to be earning following your dream. Just another thing to consider...