Trying to get others to make the decision for you is not the way to go.
The fact that you have posted here and the information you have supplied suggests that you have considerable doubts.
Follow your instinct not your heart - your heart may suggest you plug away at it and you rationalise a bad decision.
FWIW, I was in a similar position at 31 but decided to pursue another career with sufficient success that 20 years later I can afford without borrowing any money to become a part time pilot on my terms but continue with some bits of my other career on my terms as well.
This is really having the best of both worlds. The flying stays fun, the regular job stays fun and whatever happens with the economy I can ride it out flexing either way.
I have no aspiration to be hacking Vicky Pollard types around the sky going from one booze up to another, If I did, I would probably have been a bus or train driver. Its not my idea of a glamourous job. Lets face it who would want to have any contact with such passengers. A pile of freight has more charm.