I'm an A320 captain with a UK airline. I've been flying for 20 years, airlines for the last 10. The commercial training cost me my first marriage (but that turned out to be a good thing).
You already know that securing a flying job will be a sole destroying task of herculean proportions. Simply getting qualified is likely to be the most challenging endeavour you have set upon. Debt aside, imagine the impact this process will have on your family.
This is no longer just your dream; this is your life and the life of your wife and children. You have to be convinced, utterly and thoroughly, that your family will still be intact when your hard earned licence drops through the letterbox. You have to be unwaveringly sure that this is the right future for you before you make your first huge cheque out to a flight training school. But your not sure, and with good reason.
Sometimes you have to shush the heart and listen to the head.
Whatever you do I send my best wishes.