I may not be to popular here but if in 8 years you have not done more than 50 hours flying and have not completed your GFPT or any other studies towards a CPL then I would question whether you have the drive needed to 'compete' in this industry.
Laying down $100K to become an unemployed CPL is the easy bit!
I may have the wrong take on things here ( and my apologies if I have) but in any profession there has to be an enormous amount of enthusiasm to succeed yet you don't seem to be that driven in achieving your 'dream'
If you think you have that drive then jump in with both feet but be under no illusions, your commitment WILL be challenged MANY times along the way.
A great industry and I would not change one bit of my last 36 years.
Age 28 is not to late to start.
Good luck with whatever you decide.