Unfortunately there's only one person can make the decision, you.
We all have personal situations that influence our decisions, family, loans ect
That said when dealing with situations like this it's up to you to make things happen the company will string you along for as long as possible to keep their costs down.
Avoid ultimatums, at the end of the day we're only numbers, the place will not fall apart if you leave.
Try fas, argue your case, all you can do is your best and make your decision knowing your options.
If it's any help when your old and decrepit you will more than likely regret the stuff that you didn't do opposed to the things you did :wink:
Hope it works out in your favour