move to BOI and avail of cahsback. It was posted somewhere here that the rate can be equivalent to 2.53% when taking cashback into account (on 3% fixed)
it is your prerogative if you wish to spend more money than you have to, but yeah not a fan myself of BOI.
You could just do 1 year fixed and move again for another cashback if they still exist, PTSB, EBS. Although depending on loan value, the 3k payment from AIB could be just as much or more
Just note the EBS breakage fee is based on their Cost of Funds in the market so not connected to their SVR rates in anyway (both contractually and by legislation).
If you break you'll go to their SVR.
Unless you plan to move elsewhere, don't break out.
You could start the process of moving, it takes a number of weeks, and break out when you're moving.