I am in your boat and keep thinking about making a change. I take care of a c150 that I'm hoping to get more hours in and start instructing in this spring. Working on commercial/instrument/cfi now and only have around 350hrs. Big thing holding me back isn't the initial pay, but also that I want to stay around PHL and avoid commuting 2000 miles to work.

I noticed Mooniac! I use a friends m20c and its a great plane.