Is the difference going to be 5% or 30% annual? Big difference IMO. If you are holding out cause you think you are going to get an extra 30% (and it is a realistic expectation) then that's a different calculus then if you are holding out for an extra 5%.

5% annual is most likely < $1000 per month, so holding out for that and risking your savings seems a little reckless when it is unnecessary. Everyone's risk tolerance is different, so maybe not for your situation. For a guy raising a family that is a high risk, but for a single person with no kids that is different math.

If the difference is in the equity/grants side of the equation (and not the cash side) it could be very different but I'd still say risking an off public market to try and maximize over < 10% seems non-ideal.

Just my 2 cents.