I think one of my friends might settle, in a bit of a "late 30s" panic.
Emotionally I feel this would be a mistake - I think about my marriage, and would love her to have something similar.
But then I wonder if I'm being a bit judgmental, as practically, I think:
She'll be married, which she wants.
She'll have a child, which she wants.
She'll have companionship / won't be alone, which she wants.
I wonder if it's similar to some modern day arranged marriages - it might not be a "great love", but it works, and it's enough to crack on with.
And then I look at my husband again, and what we have, and think settling would suck.
But would it, if your only other option is nothing / no one?
Genuinely can't make up my mind!!