You sound like a pretty competitive FE to me. Are there no jobs to be had? If you switch to piloting full time you are going straight to the bottom of a large pile of pilots who all have more energy than you do, less bills, less baggage, and more tolerance for crappy working conditions. Unless you are fairly wealthy there is no way to justify a move to pro aviation at a late age. If there are no FE jobs and you really want to fly, I think I would work as an A&P and build flight ratings on the side. That would keep you enlivened and in (much) time it might work into a long term gig such as Chief CFI at a flight school, or something like that. Bear in mind there is no money in teaching, but at least you could keep your passion alive and get by.