As long as you can take your 401K with you, no reason to stay loyal because companies are definitely not loyal to you. They care about the bottom line. They took away all the benefits that made companies special including pensions. So screw them, it’s your career. Make the right decision for yourself and family.
Life is a risk from beginning to end. There are not and never were any guarantees to retirement. Blaming companies for lack of sustainable pension plans is silly. At least most companies were honest about the funding of those plans and were honest in reporting when those plans were no longer an option for new employees. I’m still waiting for that honesty from govt about social security.
You are correct that each individual should take responsibility early on in their career to make sure they can achieve the retirement they desire, be that through 401ks, real estate investments, savings, or otherwise. Anyone doing so can retire a millionaire, but even that’s no guarantee as the whole world can change tomorrow.