> Not to mention that children are a multi-decade commitment. My kids are nine and twelve. In that time I’ve been laid off twice and had a serious medical emergency. Things on that timescale are just not realistic to plan for as if there are guarantees. The less well of you are the more precarious everything is as well.

This sounds like a reason not to have them though. It's like saying the probability of X is high if I do Y. I do not want X to happen, but I will still do X even if I have no obligation to do so. Your decision might make sense to you but the way your comment reads it doesn't sound like a logical argument supporting your decision