I'm in a somewhat similar situation; early 30s, also a long-time lurker on different networks, forums and social media.
Now, after years of saving up, I still came to the conclusion that I would not want to live with the thought of "if only I had done this or that"....
Mind you, the plan is a modular training route alongside my current job outside aviation and without a loan to avoid unnecessary financial risk.
I wish you the best in making a wise decision!
Alicantino92