Risk taking is hugely important to growth and profit. All investments come with some level of risk and riskier investments, on average, provide a higher return.
Continuing to do what you have been doing is the safe choice. Making incremental tweaks will result in incremental gains. When you make a big change, you take a big risk and you should be chasing the possibility of a big reward.
If you “blow up your life” without a reason and without a goal, I doubt it’ll go that well. But if you leap at a big bold goal, you may find yourself achieving it!
Average outcome is computed by summing multiple potential outcomes, and diving by number of trials. It's completely meaningless in the context of big life decisions, because you don't get many trials - you get one or, at best, several.
By illustration - let's say someone offers you to either take a guaranteed $1000, or a wager where you flip a coin and, if you win, you get $502k, but if you lose, you owe $500k. That wager has a expected value (i.e. average outcome) of $2k, which is greater than the guaranteed $1k you'd otherwise be getting. And yet, it's obviously a terrible choice, due to 50% chance of giving you debt that will cripple you for life.