I’m not trying in any way to change your mind but I want to say that this is only an opinion.

If you are ready to have kids, those costs are pretty easy to support. As you said, you are biologically programmed to support them (the costs).

I would die without a fear if my son’s life depended on it, and still I’m far from suicidal.

It’s just that, your brain naturally accepts the costs. Even if we are only talking about not being able to go that random party you would never miss before. You will be annoyed, for sure, but you’ll be granted with what you’ll live instead.

But I do think there is something that triggers in your brain starting from the moment when you want a child and it looks like it’s lasting a lifetime.

However, I would never recommend having children to anyone who don’t want them for any reason. Chances are that it turns out to be nice. But I wouldn’t take the risk. I see a lot of children whose treatment by their parents makes me really sad for them. The last thing a toddler want is to feel like a burden. So, better not create yourself this burden.