Obviously its hard to know how you're going to feel in 10 years time about the decisions you made back in 2004, but if you're swithering about whether it would be a good idea, then I'd suggest you perhaps don't want it enough to take all the grief and hassles that you'll no doubt encounter throughout your training and job hunting. There are enough people out there who, fully aware of the risks of spending all that money and time and coming out with nothing, are still prepared to take that risk to pursue their goal. I'm self funding, and know that there is a possibility I will never fly commercially, but am still prepared to give it a go. At least if I fail, I know I will have tried, and the way I'm doing it (modular, in stages while working simultaneously) means that I wont have a mountain of debt to pay off on completion of training.
Good luck with your decision.
PW