I had a third unplanned baby.
My elder two were 4 and 12 when he was born.
I'm not going to sugar coat anything. It has been hard work. I'd planned to go back to work FT with some excellent career prospects once my DC2 started school and instead I had a 3 month old and was on maternity leave. I'm also a fair bit older than you (41, 39 when he was born).
Health wise - I had nothing to concern me (current or previous health & including previous pregnancies) but I had severe anaemia, had to finish work early (5 weeks) and he was born the next day 🤦🏻♀️. We had 2 weeks in SCBU but thankfully he was fine.
Financially - again we are fortunate but our earnings dropped when I was on maternity and now he costs us around £800 per calendar month in nursery fees and general living costs. Now I'd be kicking on working full time with no extra outgoings - instead I'm still in the same part time job with no scope for further earning.
House - we've lost our spare room which we really need so that's difficult.
Car - our car is not big enough, there are very few cars that have 3 full seats accept the back - they are either extremely expensive or like gold dust unless you are really flexible (colour, age, mileage etc)
We have to take two cars when we stay away in the UK
Holidays - they are a pain as most places we've been to we have to book 2 separate rooms.
Guilt - I felt extreme guilt for my older two children as he took up a lot of my time for the first year and I felt like I neglected them
I'm fat and can't seem to lose the weight (my fault I know but I was in great shape when I'd fallen pregnant)
I'd just sold all baby stuff so that was good timing 😂
Despite all my moans he is the absolute light of my life. I adore him, as does our whole family and we couldn't imagine him not being part of us. So with that in mind I'd say as long as it's not going to be too difficult financially, or there's any health concerns, go for it.