Thanks for all the replies guys. I think I had made up my mind not to go for it and was looking for someone else to talk me out of it. I just can't risk the families security like that.
I think I'll just enjoy the PPL, and maybe try for an FI rating in a couple of years but leave it at that (unless of course I bump into a friendly airline owner in the street and they offer to pay for all my training), although somehow I don't think that will happen, do you
To all those of you who have decided that it's worth it (especially those oldies like myself) I wish you luck.
Andy