> just settling for one that's relaxing and good enough for now.

There's nothing wrong with that! I think it's okay to enjoy life for a few years without looking for anything "better" (whether that is in terms of career, how exciting the job is).. I was planning on doing my masters soon (I'm 23) but figured my mental health is finally tolerably stable, I live with people I enjoy being around, have a circle of friends, enjoy work.. i could do this for another 1-2 years and just try to be happy for once, instead of looking for what the future will bring.