I think you're overthinking things First rule of parenting - nothing ever happens like you plan.
First thing to figure out is whether you want to have kids now. If you do, then everything else will work itself out (not how you imagine, probably, but somehow)
I think MadB has said it perfectly. I got the advice from all my friends that had children that if you think about it too much you can always come up with a reason not to have children... in the end you just have to take the plunge.

In saying that, because I ended up having to use IVF by the time we had our DD we had saved a lot of money. As soon as we got married we started a savings account for our future child. But we have actually not touched this money at all - we will be using it for her future schooling requirements. We have always just found the money, and we had the added expensive of IVF (so she cost us a lot more than the average child up front!)

Good luck with your decision.
Janie xxx