Stay where you are for the time being, and continue to accumulate TPIC. Apply with carriers, primarily, that will offer as close to the QOL you are seeking. In the mean time, you have your seniority, and your QOL. In life, settling for the sake of settling leads to unhappiness. After all, you have 38 years to go... perhaps a bit more is age 67 is the new age 65.