I see two ways of looking at this:

What is your current job security? Use that as one litmus test for deciding what to do.

Second, assume that for reasons you can't determine, you go to a regional, and find yourself never being able to move on. Can you live with that? Realistically, you will probably meet your goal of getting to a major. But what if you can't? Assume further that you have to stay at a regional long enough to upgrade and get 121 PIC time, in addition to what you have now--that puts you in the regionals for a minimum of 4 years. If you can live with the risk, then go for it.

Just curious: how old are you? That will affect your decision making process. At least...it should.