Sorry Cold, can we hold hands.. I am 46 and unexpectedly pregnant - contraceptive failure. We only managed sex once (holidays and working away got in the way). I was always vvv fertile but I can't believe it.
I am just about to go back to my career properly - 8 year old DC at a lovely stage.
I have a complication that makes me high risk, had so many miscarriages - into double figures, some quite late. Last one at 40 when I was very ill for a good few months afterwards
Saw a consultant last week and they are throwing the book at me medically (am six weeks).
To terminate after such a long battle to increase our family seems almost wrong but I am so unsure about it right now. Like you we would be paying off our mortgage v quickly with my career back on track but with another child and two lots of school fees etc., etc., life will be very different.
I think we would deal with all that but to be honest now that it is all behind us I realise that I really didn't enjoy the baby stage at all, I found it all very boring and mundane.
My biggest worry is the risk to my health I think - I find the thought of it all going wrong terrifying. Then there is how DC 1 adapts to it all if it happens.
I don't think your age is a problem, nor your husbands. Lots of people have children in their 40s these days. It is just whether you can or want to deal with the loss of your plans and the disruption to your current family unit.
VVV hard indeed.