You forgot to add the cognitive load of needing to learning their business domain. Programming or working on code is very much like replaceable lego blocks, which are made up of your typical functional, procedural, queues, dictionaries, link list, and your data model. The mental load really comes from needing to learn a often narrow niche with all their idiosyncratic edge case conditions and data models.
I've worked on Titling Systems, Game Development (C/C++), Integration Systems, and Backend database systems. All those niche data models/systems live rent free in my head. It is all absolutely worthless to my current employer or people around me because they're focused on solving their unique problems which at the end of the day just become another piece of worthless business procedure in my head. It is worthless because of the fact that business and people only care about solving their problem, once its solved they just move onto the next.
- Get more money than what I'm currently making and by that, I mean at least 20% more
I've no problem telling them my current salary since it's always been in the upper quartile for my area. To get me to switch, the increase has to be significant or else it's not worth the risk of plunging into the unknown and the pain of learning yet another completely different spaghetti mess where generations of architecture astronauts added layers upon layers until the complexity exceeded their mental capacity to maintain it and left.