If you realize too acutely how valuable time is, you are too paralyzed to do anything.
If you let your fear of consequence prevent you from following your deepest instinct, your life will be safe, expedient and thin.
I would sort out all the arguments and see which belonged to fear and which to creativeness. Other things being equal, I would make the decision which had the larger number of creative reasons on its side.
A person needs at intervals to separate himself from family and companions and go to new places. He must go without his familiars in order to be open to influences, to change.