Here's a couple of other things to think about (from my experience as a career changer):

(1) You may have to move or commute for a flying job. I was probably moving at least once a year during my time as a CFI and later as a Part 135 pilot. The situation improved after I got a job at an airline. During my 23 years as an airline pilot, I was based at four different airports (this required three moves, as I didn't want to commute).

(2) Many entry-level flying jobs do NOT offer health insurance or retirement benefits. I missed out on 5-6 years of retirement savings during what should have been my "prime" earning years. Being 42 years old and living in a crash pad with twelve other pilots made me feel like I'd made some poor life choices.

(3) You'll probably get to work plenty of overtime as a pilot, just for less money. Again, this situation will improve as you get more seniority.

(4) There's a wide variety of ways to screw up a pilot career. This is true of controllers as well. In particular, you may have to consider the possibility that (due to poor decisions, timing, or bad luck) you can't get a job as a pilot and can't go back to ATC. This was certainly a concern in my case: I found that my engineering and math skills were obsolete after a couple of years.

Anyway, didn't mean to scare you off. I think your first move (if you want to continue on this path) is to get current and finish up your commercial certificate. Good luck!