I was in the same position only three years ago and now I'm flying 212 in the Caribbean. Not too bad. You will always regret the career that got away if you don't take the plunge.
As to the job situation, most of the pilots where I'm based aged over 45-50 (80% of the total number) are all saying that the next ten years are going to be great for pilots as the shortage of qualified personnel hits. Note "qualified" in the last sentence, the trick is getting the right qualifications for the operators requirements.
Good Luck.