No you shouldn't get a PhD.
You get a PhD when you fall asleep dreaming about a certain type of research/work you want to do, day dream about it, just can't get it out of your head. Can't imagine doing anything else but this research, and the ONLY possible way that you can do it is to first get a PhD.
It doesn't have to do with money or 'status', it's "I can only imagine myself in career X, and the ONLY way to do career X is to have a PhD."
You're not there.
Main Goal: get better at what I've been doing for a few years
A PhD doesn't get you better at doing a job you've been doing for a few years, it gets you set to do a job that you were unable to do before. The best way to get better at doing a job you've been doing is to keep doing it.
A few comments pointed out job security that comes with a PhD, and that is true to some extent. But keep in mind that PhD jobs are also less common. So if you're working at a K-12 with a PhD in education, and they cut your position, you will likely be able to find another job, but it could be 5 states away. It's not like every school is looking for a PhD in education. Plus, at the point where you get a PhD, your skills are highly specialized.
For example, people don't hire a PhD Biologist. They don't hire a PhD Biologist with a specialty in fish. They don't hire a PhD Biologist with a specialty in zebrafish. They hire a PhD Biologist with a specialty in using zebrafish to study the neurodevelopment process and understand how changes in hormone cascade timing lead to developmental abnormalities. If that's your specialty, great, you're likely to get the job. If not, move along.
Con: wipes out 5 years of my earning lifetime away
A PhD isn't a set amount of time. It takes as long as it takes you to complete a body of work that results in a dissertation that your committee agrees is worthy of granting a PhD. That might be 5 years. It might be 9. IT MIGHT NEVER HAPPEN. I know people who walked away in year 6 without the PhD because they realized they weren't close to done. Sometimes it is the work ethic of the student, sometimes the project was doomed from the start, sometimes funding runs dry and the project ends, sometimes the professor you work for gets a job offer in a different country and leaves when you're in year 2, sometimes there is a hurricane that floods the lab killing the mice you've been breeding for 4 years ending your research project.
Perhaps your field is different, but in STEM you don't plan on walking out with your newly minted PhD and getting a $100k job. Typically the only options are PostDoc positions that pay ~$40k. This can last 3-6 years. I have many colleagues who are 5+ years out of the STEM PhD still making well below $100k. And even if it IS different for an education PhD, keep in mind that it will take you 5+ years to get the PhD, and during that time the job market will change DRASTICALLY. New recession, new political climate, new laws, or any other changes can completely upend your job prospects when you come out.
This is why people who go for the PhD for the $$$ often leave without the degree. The ones who do well have such a passion for the work that the job prospects become secondary, and they're able to finish.