Most people UNDER-think the responsibility of having children. Some, like you, OVER-think it.
It's the most natural biological drive we have. To procreate. To raise little mini mes to carry on our likeness.
What a kid needs, IMO, is a pretty short list. If you can love and support a child (and I don't mean support like buy him crap, I mean like you are capable of caring about his well-being and willing to work to help him grow and be happy), then you have the bulk of what is needed.
Not everyone is cut out for having kids, but I honestly don't think that's the case for you Marcie. I think you will/would be a very attentive, involved, loving mother. Teaching prior to having kids scares women, I think, because you get to see a lot of sad, messed up situations. You see some of the results of parenting choices that make you wonder what goes on at home.
The thing is, it's not really taking a chance. Having a baby is not like being handed a lump of clay where you are responsible for molding and shaping and creating it. It's more like (thank you, Dr. Sears), tending a garden. Your child, from birth, is who he is. You carefully nourish him and you pull the weeds when you can and help him grow into his own best. IMO, you have to work pretty hard to permanently screw a kid up. Human beings are super resiliant and we can manage to have happy, productive lives in spite of less than ideal upbringings.
You have the advantage of age/maturity and lots of experience with kids. When/if you decide to start a family, you will be starting from a place of experience and knowledge. It will still knock you on your ass, but you will love it and you will adapt to it.
Being a mother is a great pleasure.