Kalsh - you are a sensible person. Only reconsider when the supply of muppets has dried up. At the moment there appears to be an inexhaustible supply. And it's never too late, certainly you have until you are 40 or so. It takes just over one year to get a licence and be ready. When, and only when the airlines start screaming about the shortage and resort to sponsoring their own cadets will it be worthwhile. Remember, it's the job of the employer to pay!
Until then, enjoy your job and flying for fun!