and i'm crying myself to sleep every night thinking....GOD, I'M STILL HERE!!!

The issue i'd be worried about on waiting for the upgrade, is there's nothing guaranteed. There's two sides to the coin, you have the good lines and tons of time off and are a senior FO. But if the upgrades suddenly cease, while you were enjoying the life, then you might be stuck in the right seat for a while. Other side of the coin, if the upgrades cease, and the recent upgrades are forced back to the right seat, then nothing changed in the first place, except you took another checkride, got an ATP, and are once again in the same seat you would have been flying had you not taken the upgrade...

All in all, upgrade time just depends on how you look at it, and what you plan on doing when your time comes around.