Student ppl here............ for years I contemplated learning to fly or not for various reasons , ability , cost , hazards etc , family commitments etc.
If you are dedicated to doing it get on with it , time waits for no one as I've found out , everything I contemplated has been eradicated with
excellent tuition , good aircraft maintenance , 100% confidence in the
aircraft and its systems , and full support of the other half ! at the point you go solo then you'll wonder why you ever worried about it.
Still a student - but love every minute of it , if it takes me a while to get my licence I'm not bothered ...........do it and enjoy it , I'm in no rush but
regret wasting so much time worrying about the variables.
Fly safe - you will be safe
Get on with it - you dont know what you are missing