I have good pregnancies, minimal sickness if at all, some anxiety ( normal I think) and usually for me all is well till the 3rd trimester. My births have resulted in sections which were negative experiences for me. Recovery difficult and unfortunately lots of complications. For many people that alone would put them off.
I do however have a dd and ds I wouldn't choose to live without. We have no family support, mine live over 4 hours away and mil whilst lovely is not particularly interested in helping us having put her child rearing days behind her.
We are both equal parents, dh does just as much parenting as I do and that united front I am greatful for. Our division of labour is also fair, dh cooks and cleans too so not everything is down to me. If he was a lazy partner I would have ditched him before kids. If he had been like that after our dd had been born, there wouldn't have been anymore children. Dont underestimate how important this is. You need to have conversations about how your life will work after kids eg. Which childcare options would you consider, a sahm or dad, reducing hours, compressed hours, who will do night wake ups?, how long you will take for maternity or paternity leave, adjusting commitments to hobbies, reducing commute times to spend more time with the family, who cooks, cleans the most pre kids will they be able to keep that up whilst sleep deprived or will the other partner take over, will you need a cleaner or other domestic help?
The joy of watching my children learn, discover new things and watching their personalities develop is unparalleled to anything I have ever experienced. Yes I get tired, there is a lot of drudgery and stress but my two are fabulous. They entertain themselves, I have never been the type to play for hours on end with them (30 minutes of being a pirate or spy princess is enough for me). I enjoy baking, singing and dancing with them, doing puzzles, reading and teaching them. So much so that I am having a 3rd and last currently.
As for expenses it depends on you, if you buy everything top of the range, spend money on lots of activities for your child, dress them in designer clothes, holidays abroad to exclusive places, private school and saving for uni fees and house deposits , yes it will be expensive. I already have the bigger purchases, clothes will be reused, activities are swimming, gymnastics, football and dance and are as part of a package so cheaper, holidays are likely to be closer to home for the foreseeable, private school is out if reach unless I go full time ( so won't be happening), if higher education isn't free by then they will get loans as I did and they can save and make sacrifices for their own home deposits. Basically parenting can be as expensive as you make it.
I think you need to listen to your gut on this one, it would be stupid and naiive to assume that you would feel differently about having kids once they are here if your gut instinct says they are not for you. If you are both on the same page re wanting kids, talk to each other and go for it x