The HN bubble often leads people to believe that VC investment is a mark of success. But there is no reason to sell part of your business and swing for the fences other than your own desire to do so.

In the circumstances you describe, the odds of your business throwing off fuck you money are about the same as if you were in Silicon Valley - almost zero. Yes, being in the valley improves your odds some, but the vast majority of startups still go bust.

The only way to lower your odds is to do nothing. Then you will never have the experience gained from having failed on your first, second and third forays into entrepreneurship. Standing still, it is impossible to change direction.

Make something and see what happens because what happens might be good fortune.