If you haven't even started and you're already coming up with reasons why you don't want to do it, then don't. You will never make it through the program if you aren't 100% committed. You might make it through the didactic portion, because it is pretty easy, but once you get to clinicals there is no room for slacking. Every program I've heard of usually loses quite a few students during the first clinical semester. You are better off just not starting than taking out loans for 1 1/2 years of school and then dropping out without a degree.
And there is NOTHING wrong with being happy as an RN. I am lucky enough to work with really outstanding, smart nurses and I've talked to so many of them who say they always thought they'd go to NP school, but that they are happy with their life as it is, and are getting married, starting families, wanting to travel nurse, etc. And they feel so guilty or like they are not reaching their full potential by not going to NP school. And that's just silly. I hate that there is this attitude that if you are a really good nurse, then you "should" go to NP school. I don't know if this is your situation or not, but some of what you said reminded me of some of my conversation with people at work. No job is perfect and if you are generally happy with your life the way it is, then don't ruin it by going to NP school
Only go to NP school if that is what you want more than anything else. As someone who is in her first clinical semester, I can tell you that if I had any doubts about my desire to become an NP, I would have quit school a long time ago, lol.