I'm at a similar crossroads right now albeit with different numbers. I actually work for a mobile gaming company, making a solid salary and get to work fully remote. The job is no longer fulfilling and I feel like I need to try going on my own at least once. Perhaps forming a support group for individuals making this transition would be helpful :P

Have you thought about looking for a cofounder to share some of this risk with you? However, I hear that's not an easy task either.