No; you are truly mad!!!
But then again - aint we all!!
Personally, I am not in my 40s; a mere whipper snapper of 33. But I too am paying for it all myself and facing the risks of not getting a joib but the way I see it - when you are 60 and talking to your nephews or neices or grandkids and they say "have you ahd fun grandpa?" you can tell them yes - I trained as a professional aviator. i have seen the promised land!
GO FOR IT!!!