You are absolutely right. I think my main hang-up is the guilt I feel for quitting my job when so many of my friends cannot even get a job in the first place. I think maybe it's just simply unfounded.

And yes, everyone here is very good at pushing for risk and action over all else (myself included), and that is exactly why I posted here. Though, even if I had gotten the opposite reaction, I probably would have said you guys don't know what you're talking about, and then taken the plunge anyway ;-)