I would go with option 2. Life is too short
It sounds like you've got a large lists of reasons you don't want to stay, and the only real reasons for staying are financial - but you save your entire pay anyway. To me, staying purely for financial reasons (and of course I mean financial reasons like just having extra money, not if it was a situation where you really needed your income to get by) almost never makes you happy.
My DH recently changed jobs - his pay was chopped in half, but he doesn't have to work away anymore and is much happier. Totally worth it.