You don’t need to be fearless to change. You just need to be a little less scared than you are stuck.

The threshold is a comparison, not an absolute. Nobody is waiting to feel brave; they are waiting for the discomfort of staying to edge slightly past the discomfort of moving, and that is a much lower bar than fearlessness. You can be frightened for the whole thing and still go, because the fear was never the deciding vote.

So put the two side by side honestly. What does another year of exactly this cost, and what does the scary version cost. Write both down, and if the second list is shorter, go while the comparison is fresh.