Silicon Chip
I thin kthe answer to your question is do it, if you've toiled over canvassing the opinions of those in this forum then you feel strongly about the change of career.
I am doing the same at 33 yrs old, I am just approaching the end of my PPL and I am looking to resign at the end of the month. I have a substantial mortgage, however, no kids. I have a really supportive partner and she is going to travel with me wherever I need to be to do the modular training. I'm off to South Africa in October o hour build then straight onto the full time ATPL course. I know if I don't do it I will regret never having tried, even though a substantial element of the cost is being funded from a remortgage.
If you are unhappy in what you are doing then plan it well and go and do it. If you are like me then you will be prepared to do any job to pay the mortgage and support your family until you hunt down your first break.
Good luck.