Are you in Bay Area/Seattle/NY? 200k total is not much for somebody with 10 years experience. Picking right employer and sticking with it could have netted you better pay.
There were a number of reasons I chose to return, but among the top were the commute and culture. Which is to say no, I'm not at Google or Facebook and that was a very deliberate choice. Likewise I'm not stuck driving to the middle of San Mateo (or worse) on a daily basis either.
The actual data indicate that for the vast majority of developers "sticking with it" puts them behind the salary curve. In this industry especially that's bad because of the effects of ageism.
What you describe is possible, but represents a minority of career tracks, especially in this industry.
You have to wonder, if most people who say things like "You only make 200k, you should try $x" are such great developers that they don't realize they are unique, or if they are full of it.