You need to decide how happy you'd be having a different set-up. At the end of the day we live in a world of debt so your always gonna owe money for something. If you sell now with the intention of buying a digital set-up, will that be enough for you or will you, further down the line, want to upgrade to something like you have now? I've been in the situation where I've head to sell some gear and I really wish I didn't as there's always been other things i need money for so chances are i'll never get to replace them. If it's not a matter of being able to afford to live I'd say keep what you have and save for the house that little bit longer that it takes to raise the same amount of money you'd expect from the sale.