I, truly believe that the difficulty many experienced nurses are having with finding/changing jobs is related to this:
In this economy where employers get many applications for most positions and many posted positions do not actually exist..the experienced nurse is being less sought after. I had one place that interviewed me, and I knew the manager and my references knew her also and I still did not get the job I was highly qualified for, explained to me off the record. she could not hire me with over 20 yrs exp when a RN with 2-3 yrs experience would be okay and alot less pay!!!
And location does matter.. the more new grads coming into a flooded market in one city will mean harder to get a job, then if you live way out and no flood of new grads, better shot.
The OP's original question is should she settle..IMHO she should not if she can afford to take that lifestyle.