I love discussions like this it really helps to see the real pros and cons of working for yourself. I haven't got half the experience of most on here but I will give my 2ps worth.
I was SE for about 2-3 years, wasn't easy but I loved it and between subbing to one or two and my own work I was always busy enough to live ok, wasn't rich, but always had enough to cover bills etc and some weeks I earned ridiculous money. I then by chance applied for a paye job local to me and got it. I thought give it a go see what happens. It was working for Dyno Plumbing doing the BG Homecare contracts. At first I loved it, company van, holiday pay, van full of stock, diesel card etc.
Then as some have already mentioned, the goalposts were moved. Going on call was the only way to make any 'real money' and so I would do it usually at least twice a week, usually a weekday and a Saturday. You used to only get paid if you actually completed any jobs, so there was no extra wage if you didn't get called out. This was fine as Saturdays you'd usually get 10 calls minimum, and you'd get £30 per completed job so could earn some good dough. They then realised (I think) that some of us were earning bit too much, so they then said that they were considering changing call out so instead if getting paid per job, you'd get an extra days flat rate regardless of whether you got called out or not. This for me was when I started to question it all.
sadly after that I got ill, had 3 ops in the space of 2 months. On my last op I was signed off for 1 month, after about 10 days I went to my parking space and the work van had gone, thinking it's been stoked I phoned into office, and they said oh no the boss and workshop monkey had come and taken it, without so much as a word to me, basically saying that they didn't want me using it while I was off sick (I hadn't used it once, I was sofa bound) this really put my back up not least because I had about 2k worth of my own tools etc inside it. This made me worry so I phoned boss and said can I come to work following Monday (this being the Thursday) he said he would get a local lad to pick me up and bring me in on the Monday. So he did, and I was in office sorting paperwork etc when I got called into boss office with the head supervised woman, and was told that while I was signed off I wasn't making the business any money and they needed my van so they were cancelling my contract!
i was disgusted, I'm pretty sure what they did was illegal, especially as was still signed off for another 2 weeks. I felt ashamed though, haven't been sacked before and it wasn't a nice feeling. So they arranged for my tools to be loaded onto another van and workshop monkey gave me a lift home, even stood in my lounge and made me take off my uniform so they could take it back!
Sorry to be so long winded but guess what I'm trying to say is there's no loyalty these days even if you're paye, I genuinely worked my nuts off for them and I never said no to covering call out or just doing one more job for us or going to help out someone else etc. I was doing average 4-5k worth of work every week, as we had to document this on our paperwork etc, and I didn't even get a thank you, just thrown to the lions after having operations on my head ffs!
now I've been SE since. Subbing to a bloke who's local to me, and has a very good reputation amongst my plumbing friends who've known him for a few years basically they call him the oracle, he knows everything about plumbing/heating apparently lol but forgetting all that the thing I love is he's very patient with me, doesn't care about timescale etc long as I can walk away from a job saying I'm proud of that. It has to be neat and it has to be right, no corners cut, that's pretty much his motto. And above all, he says THANK YOU!
all the best with what you do Rob but if you want my honest answer mate, stick with what you're doing. You sound like you're the dogs danglers at breakdowns etc,don't let someone who knows fark all make money off the back of that and then drop you like hot potato if he doesn't need you.,use that knowledge to make your own money, build your own business and build a future befitting of your wife and 2 nippers, you know it'll work out.