I'll tell you about my experience and my perspective if you're interested:
I'm 41. By my late 30s all my friends and siblings had kids and seeing how kids impacted their lives and relationships, I just ended up doubling down on never wanting to have kids. I always thought that they would take a huge toll on my relationship, my finances and take away from me living and enjoying my life, and I'm not talking about being out partying, but just enjoying being able to do anything whenever I want, including not doing anything at all, as well as enjoying my hobbies and my quiet time in my clean apartment. I know it sounds selfish and it is and I don't care, I know what works for me and I knew that I'd be happier living that lifestyle.
Everybody always told me that I would miss out, that having kids is great and having that love and connection with a tiny person that is a part of you is the best thing ever.
Despite using birth control, my GF and I ended up getting pregnant (my boys can swim!) and now I have a 3 year old girl. Now that I've been on both sides of the argument, I can now say that I was right, and they were right too.
I absolutely love my baby and would give my life and everything for her in a heartbeat, and I'm sure that if you decide to have kids, you will feel the same way. BUT despite having those feelings, you still get tired, irritated, your relationship does go to shit, you barely have any free time to do fun things or go out and when you do have free time, you mainly just want to rest or chill at home cause you're tired and you will spend your hard earned money on shit like tupperwares and diapers and tuitions and doctors and day care instead of playstations, a bigger tv or a nicer car.
I will say that having a support system near you like your mom or inlaws to babysit can be a huge game changer, though. My mom passed recently so we only have one option in my inlaws and it helps a ton but I wish we'd have more time for ourselves. Life at home ain't perfect but we've made a nice little family and are doing ok.
I can't tell you if it's worth it or not cause it's different for everyone, but just try to picture how you want to live your life and if you are ready to give up some perks and liberties in order to start a family, which will start a new chapter in your life that comes with a sense of self-realization and growth and that will give you a different set of satisfactions in return for those compromises.