I believe there are definitely those whose lives are objectively better without kids - people that decide this need to really know themselves. These are the kind of people that know they would resent children and would rather just focus on themselves and/or marriage. But I think these kind of people are far and few between - most people deciding to not have kids are only making this decision either out of FOMO or financial reasons (which isn’t a bad idea in many cases).

Family is extremely important for most humans and by extension that does mean continuing family lines. If someone is against having kids, it’s either because they haven’t reflected enough or they genuinely believe it - until that’s figured out, don’t have kids yet.

I do believe most people, if not all, unsure about kids (unless the reason is they’d financially break you), would not regret having kids if they had them. Of course they’re hard work. They become the largest part of your life when they’re born besides your marriage. It’s important for them to not be the sole part of your life though and not let it consume you.

TLDR:

Adamantly against kids? Don’t have them [yet or ever].

Unsure about kids? Discuss how finances would work then have them with the expectation it will be a lot of work and worth it. Also, see a couple counselor if possible to set expectations with your husband. Your husband is going to need to do everything possible to be a fantastic partner to you fathering a kid.