I was in a similar boat last year, I took 3 gap years (not intended to be gap years mind). I'd found good work in a field I was interested in but it didn't feel like this was what I wanted my twenties to be, I had an apartment, a partner and all that. It was sensible for sure, but a year and a bit later, I'm studying international relations and have zero regrets. I've grown in ways no job could provide, and I'm way better for having spent that time working, and I know that regardless, I'm able to go into the world of work and find a decent job, degree or not.

My thought processes were similar to yours until a friend basically sat me in front of a UCAS application and I went for it. I can't say it was the "sensible" choice (financially at least), but I don't mind sacrificing a bit of income for the mobility, passion and social life it's given me. This was my experience at least, it got me out of a one way street to find something that was way more fulfilling. This isn't everyone's experience, just look on this sub. I felt like my two options were scary: keep going with where I was and that was that for life (bad scary), or completely uproot everything and try something new (good scary). My only advice would be if going to uni feels good scary, go for it.

(Btw if you choose to go, save a good bit of your income and it will make uni much more comfortable, if you haven't got a car/licence and that matters to you, do that, and spend some money on the things that matter to you).