Hi Op, I understand what you are saying but this wouldn't have registered with me in my 20's. After a long battle with mental health issues, I suppose I just felt grateful to get a job and establish some independence away from abusive home.
Fast forward, now moving toward my late forties and I'm having similar reflections to you. 3 dc and I've alternated between working and being a sahm (which is not restful at all). My youngest dc is due to start school when I'm 47. My first line of thinking was that I should return to work at least on a p/t basis (it was like an automatic thought). But now I'm reflecting back to the types of jobs I have had that largely due to my MH issues (recently diagnosed with CPTSD) were below my capabilities and I have essentially felt like a cog in a big corporate machine.
Now money is not such a pressing issue - mortgage is paid and so, I have decided not to rush back to work (if at all - planning a low scale business) and take some time out for me at long last. Looking back, yes in a way I do feel conned but had a mortgage to pay, car to run (to enable me to get to pointless job) and I feel fortunate to now be in a position to choose (albeit MH issues).
Some people live in a van etc and work minimal hours and have made this their life choice. Others have portfolio careers (incorporating a couple of jobs including perhaps working at home). I guess there are pros and cons to everything but without dependents, it is likely that you can shake things up a bit.
Nothing definite to suggest but yes, much older than you (and peri-menopausal granted) but definitely have had 'is this it?' moments.
Please let us know if you have any further thoughts about what you might do to change your situation around.