Great thoughts, tg.
Yup, everything in life is a tradeoff of one sort or another. Nobody can really "have it all". As soon as you make one choice, another option is no longer available.
We make the best choices we can, and accept the results of those choices (unless they are positively harmful, in which case we need to figure out another choice).
It's scary to make changes because we don't always know what the future will look like if we make one choice or another. In my experience, though, if I move forward with a little faith, even if I'm scared, I make out a lot better than I would have predicted.