This time last year I was exactly where you are, OP. My DH felt the ticking clock even more keenly as he's 12 years older than me, and there was some amount of what I felt was pressure. I also had my parents going on at me "you're not getting any younger" "your brother won't be giving us a grandchild so we're relying on you" etc etc ad nauseum every time I saw them, which I resented.
I've NEVER been broody, never know what to do with babies or little children, I always had a suspicion I wouldn't be able to have children anyway due to our 'unreliable method' never resulting in even a scare, and I wasn't too bothered. I liked having a career, liked doing my own thing (DH permitting!), and generally being selfish and having a good time and having money. Lots of friends my age who were confirmed anti-kids suddenly started having them left right and centre complete with the constant child-centred facebook updates they'd have once scoffed at, as if some sort of switch was flicked, and I couldn't get my head round it. I've also always had a massive fear of childbirth and being 'interfered' with which has overridden any tiny desire I might've had at any point to have children.
Then I sort of realised that I'd regret not having children more than I'd regret having them, and just like PipPipPip (I could've also written THAT post) we just stopped not trying, and it all happened way quicker than I thought it would.
I'm now 30 weeks and still have a lot of panicky moments that I'm going to be hopeless due to non-broodiness, unmaternal-ness, or whatever you want to call it. But I can't wait for the baby to be here and I don't think it will make me any less of a mum for it because it will be loved so much regardless.
I don't think there's ever a 'right' time to have children because you'd go mental trying to get all your ducks in a row and always have just one more duck. I worry about things to extreme and like you, if I see a reason not to do something I don't do it. But now is as good a time as any for me so I'm going for it.
Good luck whatever you decide :)