I'll make this simple. New job pays about 40% more (I make around 80k now). Current job is challenging but I'm way underpaid and it's hard to get money because it's public sector. New job requires a move and has a lot of traffic which I will hate. I really like my house and area (and little traffic) with my current job and while more money would be nice I don't think it will make me any happier but I'm worried I'm scared of a new challenge/change. I'm asking the question: am I too comfortable here?

TL;DR; more money would be nice but I'm not unhappy here and I enjoy my house/yard. I also fear I'm scared of a new challenge/change.

Edit: clarity