Replying to My life is shambles

I hate my life. My Dad passed away from cancer back in June, and I'm living at home with my Mum. Not cool when you're nearly 30. The state of the UK is fucked at the moment, house prices and energy bills are astronomical so it makes no financial sense to move out for the foreseeable. Would literally be throwing money down the drain.
I don't see any of my friends anymore, I can't drive due to medical reasons and have no hope of getting a girlfriend again - basically impossible when you live with your parents and can't drive.

I have a great job. I somehow scored a role in mechanical engineering a couple of years ago which I'm hugely under-qualified for, but for some reason they seem to love me... fake it until you make it i guess.
I'm earning really good money, have a great laugh with the lads and the days are challenging & rewarding... generally really enjoy being there (as far as a job goes - it's still work, I wouldn't do it for free of course).

I really don't want to leave my job. I genuinely don't think I'll ever get a job as good as this, as mentioned before I'm so under-qualified it's ridiculous.

On the other hand. Something drastic needs to change. I've been granted a year's working holiday visa in NZ. I want to work in the bike parks in Queenstown. Only issue is it is fucking thousands of miles away and costs a fortune to get there with a bike.
If I get there and decide i'm not enjoying it. I'm totally fucked as i'll be around $5000 down and given up the best job I'll likely ever have.

Age old question of risk vs reward?

Basically just needed to rant / get this off my chest...