+1 for the above.
If you take a 40k-50k pay cut from regional C&T to join the likes of JQ or VA, you're going to need a narrowbody command before you're ahead of your current package, and that could be 7, 10, even 15 years which is a lot of cumulative earnings lost. Even 7 years @ $40k is $280k in lost earnings.
To paraphrase another poster "the equipment doesn't matter, it's pay and lifestyle that really count".