To put it simply, I would
- continue to enjoy the flying at the PPL level
- research / read more about the subjects you will require to take
- establish the rules for completing the writtens (NB)
- establish the rules regarding currency of flight tests.
When you feel it is the right time (see above) to step on the ladder, then go for it as a wiser and more experienced person knowing what you have to acheive.
HWB
BTW I
started my ATPL at age 45 and subsequently flew jets for an UK major in the LHS!
26? - just reaching prime of life!