Thanks everyone for your time, support and responses. As someone mentioned my list of pros and cons are the same as all of us in this roller coaster of an industry and leaving far outweighs the gamble of staying but I really do like the idea of instructing to both stay current and for the fun of flying. It's sad that this is the state of our profession but I don't see things significantly changing for the better.
I think, even before I posted on here, that my mind was made up but I was hesitating on actually making the move. I'm sure, in the future, when I hear a jet overhead I'll think of where I could have been or remember what it was like in the cockpit up there but the low pay and poor QOL are no longer outweighed by the fun of flying. I have taken my final vacation days next month and will make that my final month in aviation. Thanks again to everyone who shared their experiences with me.