The issue of self- versus mainstream publishing can be a tough call. It's always a very personal decision.

A issue with self-publishing that you didn't mention is that it can make it much harder to get your book into stories beyond your local indie. Former bookseller @PaulCombs could speak to that better than I, and if you'd like to know more, you could sound him out about that on his feed. What I know about this issue basically comes not from booksellers but from all the self-published authors who've told me they really had to struggle to get their book into stories beyond their region.