I had all mine paid for (after ppl) and nowadays I do sometimes wonder whether I would do it again, especially on an 02:00 crew check in during January.
Eventually it just becomes another job, and the real joy of flying is the hours of just bimbling round the countryside in a small, wooden aeroplane enjoying the scenery.
I consider myself very lucky to have had the opportunities I've had, but I hugely respect those who go from 0 hours to ATPL/IR at their own expense, and also those who decide to fly for fun, the ones who keep the flying clubs and small airfields alive in this country.