I've seen two of these in Ask HN in the past week. I just want to say it's not as easy as building a SaaS and then customers will come knocking at the door to hand their giant stack of cash. We've been working on it or 5 months and are just now getting traction and we are in an established space. Marketing and getting people to sign up has been the toughest part of it all even with better/more features and easier to setup. Just something to be thinking about from our experience.

Even living frugally (I've been doing the same), that seems like a very long runway with the modest burn rate. I think ultimately you should figure out what will make you happy and go with your instincts. Some people are happy being employees for most of their lives while others such as myself have the entrepreneurial fire always eating at them and can't be satisfied in corporate environments.