I also think making the decision will be one of the toughest parts. Whatever you decide, you will put yourself into action to follow through on that decision. It will be a relief knowing that you have a plan in place.
You will hit tough times in that plan, but you will work through them because that is what you do and that is life. Gradually it will get easier as you work your way towards your future (enjoying the present, of course).
I'm just saying, I think the decision will be hard, but once made, it will be a relief and you will just take the necessary steps to follow through. The "Questions" above won't be as intimidating because you will be working through them- finding answers. Hey! That's what life is all about!