Very similar career arc for me, 25 years in the trades, 14 self employed chasing money.....
Made the decision a few years back to seriously ramp down the self employed side and take an inspecting job. Many factors went into this, some of my own health issues at the time, both parents passing relatively young in recent years after long battles with health issues....
I did well self employed but it was a grind, much like you said.....if I could do it all over again I would not have passed up some other opportunities that presented themselves when I was too young and dumb to see the long game....
Overall, I made a wise decision to ramp it down when I did. Now I get to destroy my body with my hobbies instead of my work.