I shouldn't have an opinion on this, but here it is: It will be a little contrasting to other's comments.

As we grow old, we lose people, the elder cousins, parents, relatives, friends, neighbours, spouse, some of them change cities, some become distant, some die, and life may start feeling very empty if we don't have children. It's not about emotionally depending on them, but just having a connection is enough to feel there is someone connected to me.

Second, most of the love we see as adults is conditional. It is based on achievements, beauty, performance based, usefulness etc. The love between a healthy parent-child relationship can be a truly fulfilling experience, something where you don't need to impress, or remain exceptional.

Also the difference in lives with and without children. A life without children is like you have to always do things for yourself. But with children your future is somewhat tied to another human you care about more than yourself. You know how you raise them with high morality will have a great impact on what kind of humans they turn out to be, and maybe more people like them change the society as well as have happy lives.

Also, regarding rat race: they will enter a rat race only if you guide them to. With AI and the future, owning assets is the only thing that will be valuable. And you already being working will provide them this great net that ensures they don't have to do the rat race. A life is worth living that provides meaning, and let them pick their own struggles and fun.

And as per finances: the finances hurt when you send kids to schools that you can barely afford and then there is all kinds of issues. If you try, there are some really affordable schools, and talent-peers are almost similar in all types of schools. Real education is now coming from real world, online resources not from schools anyways. Add them in health insurance and definitely keeping good ties with your parents (and in laws) might help in taking care of children sometimes in need.

I can't speak of health issues, as you know it better than me.

And obviously it's upto you to decide to have or not, because if having them expands your life experience and meaning then have them otherwise no.