No, I wouldn't. I value stability and simplicity in my life, and I will gladly eschew higher pay for a more traditional lifestyle. I'm a conservative suburbanite with no ambition, and I'm proud of it.

On top of that, non-employer insurance is terrible. In some states, you actually cannot get a PPO unless you're on an employer's policy (I refuse to get an HMO for moral reasons), and large megacorps (we're talking Disney-sized corporations here) will package their own insurance and offer benefits that go above and beyond what you can get anywhere else.

> and the ability to work for multiple clients

That's a negative for me. I'm a strict 9-5er. I just want to show up at the office every weekday, put in my eight hours, then go home and relax. I actively do not want to run my own business or do anything that resembles negotiating with anyone. I'm not an entrepreneur or a risk-taker of any kind.