If you have a boring comfortable job then presumably you can squeeze some time out on the side to polish your craft. You don't necessarily need to make a brash move like quitting tomorrow, instead you need steady measured moves towards you goal. Spend some time each night programming on personal projects. Eventually, yes, you should quit, but it should not be seen as a prerequisite to improve your life.

Also, I suggest listing to Dan Benjamin and Merlin Mann's Back to Work (http://5by5.tv/b2w). Best podcast ever for this sort of thing.