You can play it safe, and I wouldn't blame you for it. You can continue as you've been doing, and you'll survive, but is that what you want? Is that enough?
Go for it, while you can. I know you have it in you. And I can't promise you'll get everything you want, but I can promise nothing will change if you don't try.
Good memories are like charms...Each is special. You collect them, one by one, until one day you look back and discover they make a long, colorful bracelet.