In my early 40s stuck in a job I don't enjoy - is it time to move on?

I am working in a fairly large company so it's pretty corporate. I have steadily been a high performer being promoted max every couple of years.

These are the good things:

I get paid well. I have a lot of freedom and flexibility with my time, my colleagues are nice, free gym at work and amazing benefits.

The not so goods:

I just don't enjoy it anymore. Its beaurocratic, political and I am no longer motivated. I gradually drifted away from the fun side of the job and moved up to see the top and I honestly don't like it.

Worth noting that,l I work in the games industry which is in difficult period with many layoffs.

I also still have a mortgage to pay and with 2 kids so have gotten used to a certain lifestyle.

So here is the dilemma:

I am currently talking to a recruiter about a potential other job but it's a startup, it's less money but I love what the company is doing, it's back to getting closer to the creative team. I would also have to do pretty much everything and roll up my sleeves as the team is tiny.

Does anyone have any relatable experience? I am terrified but excited and I need help weighing out the pros and cons