Here is a common Would-you-rather question; stable job or life with adventure? I'd prefer a stable life because you can plan out the future easily and effectively.
First, a steady income ensure a better credit, thereby taking bank loans easily for a car, a house and education for children. With a stable job, you could prepare well advance for such major life events.
Second, life with a solid routine is good for your health. It is beneficial to wake up and go to sleep at the same time of the day, resulting in more energy and youthful appearance. In addition, your brain will be optimised without distractions and can focus on more important issues.
Third, tenacity and conscientiousness bring you skills and experience, leading to a sense of pride and self-esteem. Although it might look boring, but joys in life can be found in small things anywhere too, not only in never-seen places. As saying goes; Bloom where you're planted."
To sum up, I'd say it is not that bad being "in a rut" and actually comes with many benefits. The question can be rephrased with, like, "simple joys." because "in a rut" has negative connotations inherently.