Short and sweet response; hurry up and do it if you are going to and don't spend too much time on this forum. It's great for learning about the industry but there is WAY too much BS on here.
$25k/year instructing??? Not even close. If you're working full-time, billing ground and flight, you'll make $40-$50k if not more. I did that working in the Midwest this past year and you'll make even more down South or out West. You're going to have to take a pay cut when you start as as FO at a Regional.
I was in your shoes in 2017. I made the jump and haven't looked back and will now be starting my ATP-CTP class with a Regional this Summer. The only way you'll know if it's for you is to jump into it and see what happens.
Cheers