If you want lovely positive stuff, just go to a flying school. They'll tell you every thing is fine and great and every one gets a jet job immediately.
The reason why many posts appear to be "a bit negative" is that the truth isn't the above. People will over spend, people will fail, people will fail to get a decent well paying job within a reasonable time.
Right now, the hiring boom is incredible. It hasn't been this good for many years. As with aviation, what goes up, must come down.
At 38, nothing is impossible, however, the time you have to weather any slow downs and still make up the money you've spent is comparatively short.
You have to ask yourself, can I risk an effective £80,000 and still have a pension to retire on. (Not to mention the effect on your family).
If you can, go for it. If in all honesty you cannot, then fly for fun and enjoy yourself.