Cobra - as you can see, lots of different responses - all correct from the individual's point of view. Only YOU can make the decision. so it all depends on your own circumstances - are you young/old, married/single, kids/kidless? etc etc. Make a decision that you think works best for you - accept it as the best decision based on info available to you - then get on with it.
Personal development vs lifestyle choice - all depends on your age and life goals.