Also, depending on when we respectively graduated from college, the starting salaries are different. Starting salaries for IT where I lived when I graduated were in the $40-50k range.
For what it's worth, by staying there you are leaving a serious amount of compensation behind, assuming your skills could find you another job. $225k would be $350k elsewhere, easily. Many of the MSFT lifers I know don't really have a skillset that would translate or be valuable elsewhere, due to their focus on their company. That's probably true of most cases where someone stays at a single firm for a long time.
By no means am I suggesting there's anything wrong with your worldview, just pointing out that in this industry, you are leaving serious comp behind by not shopping around. Your work after moving would probably be more enjoyable and interesting, too.
You may be right, at least about the money, but I think you're missing the other side of it that I tried to express: I don't need more money. I don't even, really, want more money. What I do want is to do something mostly interesting--I don't have to optimize for interest--in the least amount of time. I like what I do for work, even if some days I don't love it, but I adore what my salary allows me to do outside of work.
Switching employers, looking for a new one, making those decisions...they all take time that I don't have to spend right now because my needs are quite nicely met where I am and, so far as I can tell, will continue to be met for a long time. I do side projects outside of work to keep practice in some skills that don't directly relate to my work and I have friends who are at other companies and are also my professional network if I ever do need another job.
tl;dr: I'm optimizing for contentedness, not income or interest, and that's the big reason why I've stayed at the same employer for almost two decades. My employer treats me well and pays me enough so I am content.
There’s only a 33% chance a job will work out. That is, that both you and the employer agree it’s a good fit after a year. So you are more likely to fail in a job change, and the odds get worse the more jobs you change.
Besides, you have an asymmetric opportunity, since you can interview, get an offer, and decline it if you don't like the new option. You don't need to quit before interviewing. In fact, that post-offer woo phase can give you a huge chance to get more information about the new gig.