28 is no age, you are virtually a baby yourself! I know it massively varies from social group to group, but in my circle very few people had babies before 30 and very many had them into late 30s/early 40s including those who ended up with second families after the breakdown of relationships with their older kids parents. I would say you can definitely take it easy for a few years yet, enjoy and improve your home, spend lots of time on hobbies, social life, focus on your career, take amazing holidays, children are such a drain on your time, independence and finances that whilst of course you can do all these things with kids as well, realistically it is a long easier when you don't have them. Then see how you feel about kids in a few years, either you want them then, great go ahead, or you still don't in which case you haven't 'wasted' the years preceding in any way.
Plus this is a personal thing but I was so appreciative that when I had my DC (much older than you are now) I had really sorted myself out financially so we were able to buy in a lot of help both directly with childcare and also with things like housework, gardening etc so I didn't have to take too much of a career hit and DH and I continued to have time to ourselves as well. If we'd had kids in our 20s we just couldn't have afforded that. Others of course might want to use the money to go part-time or give up work altogether for a while, but again this needs some £££ in the bank to facilitate, so you should def think about setting up a solid savings plan, again it won't be wasted effort if you choose not to have kids as it's all an investment in the future anyway.
Equally I'd say if you never do feel that urge for a baby of your own, this is not a problem at all, quite the reverse. The planet is already overpopulated so there is no need for everyone to procreate, and you really really shouldn't bring a child into the world that you don't truly want out of a misplaced sense of duty or it just being the norm. To be totally honest I think people do do this sometimes, obviously once the kids are here you do love them so they'd wouldn't ever admit it was a mistake or say they regret their choice but I do think it happens. It is hard raising small children and both parents really need that background strong desire to be a parent/have kids to see them through the rough times IMO or you'll just end up resenting them. There's loads of ways to enjoy the company of kids without having to have your own such as babysitting for your friends and family, being a godparent or fun Aunty and take them for lots of days out and treats, maybe volunteering with children?
But as I say, no need to decide now. Ultimately I suppose you'll need to discuss your feelings with your partner, it will be hard if he really does want kids of his own and you don't, but then he will need to make a choice. Luckily men don't really have the pressing biological clock to the extent women do so so long as you are honest with him about your ambivalence I don't see the issue. Good luck!