To some extent this is about considering the short or long term options. Short term you're happy where you are, sure. But longer term having some $$ behind you ultimately gives you more freedom. And you can't start too early working on that. Though I expect the experience you've been building up makes you a more valuable resource.
If you do move, though, make sure that you're not dropping down in job security. It would be a shame if you left this job and got another job that vanished in some economic downturn. This is possible for any job, but it is possible to take a hard look at a job and work out whether it will still be there in a year or so.
It seems possible that at least some of your caution is just the usual reluctance to change. I get this myself a lot so I assume others are the same. The right answer is to push on through it, but that is no way the easy answer.
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