2yoe deciding between 2 offers ($115k fully remote VS $140k 3 days Hybrid)

Hello guys, I was pretty fortunate that I received one written offer and one verbal offer on Friday almost at the same time. I live in an MCOL city and have about 2 years of experience, and both would

Hello guys, I was pretty fortunate that I received one written offer and one verbal offer on Friday almost at the same time. I live in an MCOL city and have about 2 years of experience, and both would be a pretty good salary jump for me. Offer 1: Big Defense Company Pay: $115k Location: Fully remote Stack: React, Java, some C++ Pros: * Fully remote and flexible 9/80 working schedule (Every other Friday off) * Keeps my active Secret clearance * Working on a pretty interesting mission-critical system * Easier to find future cleared roles later * Likely won’t have any overtime Cons: * Lower pay (\~$25k less) * Might get stuck in defense roles. * The tech definitely isn’t legacy, it’s one of the more modern, newer DoD projects, but still...Defense can move at a slower pace. Offer 2: Local Mid-Sized Company (501-1K employees) Pay: \~$140k Location: 3 days onsite Stack: React + Java Spring Boot Pros: * higher pay (\~$25k more) * Main stack matches very close to what I currently do (Spring Boot + React/Next.js) * Likely more commercial product experience * Exposure to private-sector software development practices * In-person work experience? I’ve been fully remote for the past 2 years, so it might actually benefit me to spend some time working in person I think... Cons: * Lose active Secret clearance * Commute/ 3 days in office, less flexibility working schedule * Less job security compared to cleared defense work The first offer is from a large defense company working on a mission-critical system. The main tech stack includes React, Java, and some C++. It would keep my active Secret clearance, and the total compensation is $120k. It’s also definitely not legacy code or just maintenance work. It’s for one of the more interesting, newer DoD programs, and the team is focused on ramping up development speed rn and hiring more people to do so. The other company is a local mid-sized company offering around $140k total compensation. The main tech stack is React and Java Spring Boot, but it requires 3 days in the office, and I'll lose my Secret clearance. If you were me, what would you choose? I think $25k more per year is pretty attractive since it would noticeably speed up my savings. But at the same time, based on my job search over the past 2 months, I’ve sent out around 60 applications, roughly half to defense companies and half to commercial ones. I’ve been getting a very strong response rate from defense companies (both primes and subcontractors), with recruiters reaching out directly by phone, LinkedIn, and email. However, on the commercial side, the response rate hasn’t been very good. So because of that, it seems like my active Secret clearance is quite valuable and puts me in a sweet spot. I can relatively easily find roles that require an active clearance. So while the extra $25k is appealing, I do think the clearance is a meaningful advantage in this Job market, and I’m hesitant to lose it. So If you were me, what would you choose? For context, I’ve been working at a company for the past 2 years on a DoD project, and I’ve been working remote the entire time.