@Greenginghamdress I totally get you. I will be 38 too when DS starts school and when we could potentially have another child, so we are in a very, very similar position indeed.
I think the problem is, even with reasonable amount of money for childcare, when the kids get ill, this is pretty much worthless - if you have no family around, it will be juggling this between you and H and with two kids I can only imagine the challenge. It is difficult with 1 as it is. Plus all their appointments, activities, different schedules etc. You are clearly very switched on so I'm sure you've gone over this in your head.
I am pretty capable I'd like to think and I am good at organising, juggling and generally being busy. I like managing. But I also have a demanding job which isn't particularly geared up for flexibility and certainly not for part time working. It's improved post pandemic, but it's hard to juggle it with childcare without a doubt. My MH suffered a great deal because of the sad history of baby loss pre-DS and then DH not stepping up. And I need to factor this in too, unfortunately. Maybe at my best I would juggle two kids and my job fairly confidently, but now I am not so sure if it's too much for my frazzled head.
What is your job like? I sense from your posts that your heart is longing for another child and I agree that having a sibling relationship is something very precious for DCs too. Of course they may not end up being close in adult life, but this doesn't mean they shouldn't have an opportunity to be in each other's lives in the first place. I am an only child after my brother passed away before I was born and it's something I have always longed for and wanted to give to my DC.
Sending you love and an extra strong cup of tea 🍵 xx