Should I stay or go?!?

I am a new grad (finished in May) and like all the other new grads I've been unable to find a RN position in the hospitals. Here in Charlotte there are only 2 main hospital systems. I found a private duty nursing job where I've been since July. It's part time, 3 days, 8a-4p. I feel that I am learning great skills (she as a vent, trach, g-tube, etc), but I would have much rather have started in the hospital. I am still PRN in my hospital as a NA in hopes of something opening up soon. It is SO frustrating to work PRN as a NA when I am a RN. In calling recruiters no one knows when things will change. Too much is up in the air right now.

Anyway, last night a friend of mine told me about a doctor's office where she works. They are looking for another RN. She encouraged me to come in with my resume as I too could get a job. It's an internal Medicine practice affiliated with the "other" private hospital system here. She works M-F, and one day is a half day. She says that she is paid the same as the new nurses in the hospital. I am not sure if that includes shift diff?? or not? (I would guess not). I've been weighing the pros and cons and my dilemma is that I have been with my current hospital system for over 3 years. After 5 years I would be considered vested in the company so in less than 2 years i could be vested. My 401k and other benefits are with this system. My personal doctors are affiliated with them as well. If I change systems I will not be able to use my current insurance etc with my doctor. Of course the hospital will pay more, the average New grad here makes $20-$21/hour. With a $4 night shift diff, and $7 on weekends. My current hospital is located about 20 minutes from my house, which isn't an issue for me,. If I get the MD office job it will be about 6 min away from home, no holidays or weekends, and less money.
I know many would argue that a new grad should start off in a hospital setting, etc. which is my first choice. Unfortunately in this economy we are forced to be creative. I really don't have many other choices. I am worried that I am holding on to my current hospital for all the wrong reasons. I want to call them tomorrow to see if anything looks promising if not, I have to really consider moving on. I know in life you have to sometimes go where the opportunities are. At the beginning of next year I will have 6 months of RN (private duty) experience under my belt, and supposedly that opens up doors? Should I just wait it out and stay in my current hospital system or move on if I get offered the Dr's office job? Please help! I am conflicted in my mind! Thanks.