I was in a similar situation as you are; running a small programming team at age 27, with no real commitments. I decided to stay because the opportunity seemed too good to pass up, but I'll never know where I'd be now if I took a risk back then. Over those three years it seemed like everyone I interviewed ran their own project. Many popped back and forth between working as part of a team, and running teams several times in their career, so it's not as special an accomplishment as I'd thought at the time. Now it's three years later, and I've gone part time and started telecommuting so that I can travel wherever I want and have time to figure out what I want to do next. Your choices may vary. Good luck!
Settling down was NEVER a consideration for me until I met my wife sometime around when I turned 31. I thought that I would always have plenty of time to change careers, explore interests, etc. (How wrong I was.)
It sounds like we're both fortunate enough to live in cultures in which changing careers and pursuing interests is a possibility. Don't dally! You can always take up paragliding again. You can always be a team lead again. Time you can't get back.