How can I judge whether it’s worth to leave remote work for higher pay, yet is also good company?

My current job has passed me up for 3 jobs I applied for. The team I work on is wonderful but I am underemployed and bored. I am not that career motivated but I guess I do want to do something at least. I am basically entry level though I have 5+ years experience.. the last one I applied for internal wasn’t even much of a raise, maybe 8k but they took someone from a more similar team and also they didn’t tell me I didn’t get it. Only know bc my team manager is great and they found out for me.

This company is a bit smaller but products that sell very well (although thanks to war etc they’re not very profitable this year) I and most of my team are remote, but the office is in another state and if you live there it’s hybrid. One job that passed me up for say they’d prefer someone in that state. They also don’t always have many openings for what would be one level up for me.

There is a job at a very well known very huge company with great products in my city and it is hybrid. Known to be a great employer. The office isn’t too far away but traffic means it’s about 30-40 min drive depending when I left. 2-3 days in office. Not sure if taking a train is possible or not. I would actually love to go in the office once a week, so twice is ok. Three though, depends on how the office is set up too maybe. (I hate open office and I hate having constant noises. But I survived working in an office before where at least it wasn’t open so I felt hidden in my cubicle haha)

The pay would be about $20k raise (at 95k) and have a bonus, though 5% smaller than my current company. However we’re probably not getting a bonus next year though this year we got a good one. I assume it’s the same at the new company, could be paid out fully or even above or maybe not) The job title is similar but in a more interesting area I think and obviously much more chance to advance if I wanted because it’s so huge.

Also my current company had 6 mos maternity leave which I’d totally never leave except they changed it to 3 which sucked esp as all they said “it’s still better than most”. The new company is at 4.5. However my current job has flexible time off and it is real. I’m using like 5-6 weeks this year. New company has 15 days and 5 sick, I’m not sure if it would be negotiable.

So I guess my current job is kind of amazing except for I’m so bored, I don’t do much and feel stagnant especially as I can’t get promoted. I feel it’s very much the highly extroverted type a people are preferred which is not me. My team really likes me and thinks I do a great job though at least. But I work on a sales team and don’t want to be a sales person.

I could milk it and just be grateful but I am afraid of it holding me back too, especially as ofc I need money also maybe higher chance of being laid off. I still have loans to pay. My partner has been job searching for months. And also has loans. And I do want to have a family. However then I also think working remote means I can move wherever. For the new job I’d want to move closer to the office, but also those areas are quite expensive.