I think we're moving in roughly parallel tracks, you and me.
Here's why I think so: I've put together some songs with the equipment I've got, and compared it to commercial stuff. The conclusion I've drawn is that I can get it better, and I've got a good idea how to do that, and that's what I'm going to do

but if a suit came along and said "you can have 100 hours of studio time with an experienced engineer and top-line gear, and oh! by the way, although you won't make a cent, we'll move 2 million units for you", I reckon I'd do it. I mean, how many people are hearing my music at present?

And how good is my gear and how good is the sound I'm getting?

And would I be making any less money than I am now?

Lotsa smilies, right, because I think you know the answers to all these questions.
In the meantime, however, I *am* going to continue with it on my own, and the present length of this thread seems to me some indication of how many people here are moved by the idea of doing it or making it on their own. I'm not saying this is bright or informed, in fact, I think it's an example of the sperm syndrome - loads of us buggers all wiggling like crazy and trying to get there, but not many will actually hit the big one. But impressive! Hoo!
In the meantime, there's some good music getting made, have you noticed?