I should've stated stable instead of legitimate to be more in line with my beliefs.
I consider gambling in the same vein as investing/crypto/real estate with the primary difference being level of risk/reward. But the difference in your situation is that, generally speaking, people usually use those as a vehicle for income already earned from a primary occupation.
When it becomes a primary source of income, you're now depending on it for your current bills and necessities. That means needing enough money survive through any "dips/crashes", so you need more emergency savings that a normal person would.
In addition to that, you're also having to cover all the benefits you mentioned before (PTO, insurance, retirement accounts, ect). Even at 82/hr over 74/hr, I think your benefits will probably be worth more overall.
I agree with mentos that if I were in your situation, I would wait until the loans/mortgage were paid off as well as until you saved at least 1 year's worth of emergency savings (I recommend 6 months for normal occupations) before going down to part-time.
But I can't put a price on the improved quality of life; only you can answer that.