Been away from the computer all day today (14 hour workdays suck) which is why it's taken me this long to say, "Dude, that sucks!" Dawg, I'm sorry you're going through this. This too shall pass and all that.
Some random thoughts:
If Mama ain't happy, ain't NOBODY happy.
I've been to LA twice now and liked it both times. I get the feeling that I shouldn't and that I should like NoCal better (not that I've been there), but I like LA anyway. This boy from the green rollin' hills of old Kentucky likes the desert.
RE: the Government teat thing. This is a tough analysis. How many years do you have in already? In my case this would make a huge difference. Currently I have 17 years until I can retire. I can buy 5, which cuts it to 12. Each year brings me closer to the point where I can tough out almost anything for a little while to get that substantial financial benefit. Also, I like working for the government. It's nice to wear the white hat.
What about job satisfaction? Do you like what you do? Insurance companies kind of really suck (Before my current job I regulated insurers for 6 years, so I know something of where I speak.) What's your dream job? Would you be moving closer to or farther from it?
And of course as a Dad, family considerations are huge. Even if the job, the location and the money are all great it's worthless if your family is going to be miserable.
Tax: Ky has 6% sales tax. However we also have property taxes, federal income tax, state income tax, FICA, Insurance premium taxes, Fuel excise tax etc, etc, etc. I don't want to get into a huge examination of who has the higher total tax burden -- it's probably Slink. But just looking at sales tax or VAT is only a tiny fraction of the whole picture, innit?