If your not incompetent, its pretty much guaranteed you will reach sr in 5-8 years. It's the levels after sr that are the hard part.
the SWE ladder requires/expects for an L3 to get to L4 by makes no such requirement to ever get to L5.
Also career and personal skill wise, it's good to see how other companies work. Pay is in many ways determined by your negotiation skills, and that is empowered by creating better BATNAs via interview skill.