Is coasting in a comfortable job smart or a waste of potential right now?

I am 30 and currently in a fairly relaxed public sector role. The work is easy, the team is nice, and the stress is minimal. But the money is just okay. I could probably push myself and move to a private sector role and earn a lot more. I see posts here about people grinding for higher salaries and others talking about being stuck in dead end jobs with no motivation. I also see the comments from people who have cushy jobs doing nothing all day and love it. I dont know which camp I fall into. Part of me thinks I should take the higher pay now while I am still young and bank the money. Another part worries I would hate the long hours and pressure and regret leaving a comfortable thing. The job market also seems unpredictable now. I am not sure if its smart to stay put or if I am just being lazy and selling myself short.

For those who chose coasting over chasing money, do you regret it later?
Or for those who went for the money, was it worth the trade off?