Serendipity Dog,
I know the situation you are in - it is the same as mine. For what it is worth, I am a little older than you - 35 - and am moments away from signing on the dotted line with BAE. I've looked everywhere for the last year and feel they are right for me. I too am lucky that I have the money through hard work and simply having worked for more years than a lot of wannabees!
If you want any info/further opinion drop me a line - I know BF2 has also done his homework on this.
Best of luck with your decision.
sydneyc