pudoc, 330airbus,
i'm in the same boat - i'm 38 and have the opportunity to start my CPL etc now that I have my PPL and some hours.
being stuck in an office all day gives you a lot of time to reflect on what you really want from life and whether you fully understand what you're getting into. you wouldn't give it a quick thought.
work hard to get your qualification, work hard to get yourself a job afterwards, work hard in your new job, when you retire you'll be satisfied with your professional career.