I was in the exact same experience (and I'm also very risk averse), and I would say yes and no. Like most things it's complicated. But to keep it short I most certainly grew the most in my career – meaning in engineering, people, presenting, everything – by taking the plunge with a new role and the challenges it brings. You're forced to learn and adapt and taken out of your comfort zone.
I think even in a great company you are going to hit a ceiling that is hard to grow past even if the opportunity is there – there's politics, there's other priorities, there's always something that will get in the way. I found swapping job was the only way to "push reset" on that side of things enough to have that rapid burst of growth.
What I've very slowly learned is things tend to work out. If you've got some savings built up and not too much in the way of hard responsibility, I'd explore the option.
I think even in a great company you are going to hit a ceiling that is hard to grow past even if the opportunity is there – there's politics, there's other priorities, there's always something that will get in the way. I found swapping job was the only way to "push reset" on that side of things enough to have that rapid burst of growth.
What I've very slowly learned is things tend to work out. If you've got some savings built up and not too much in the way of hard responsibility, I'd explore the option.