Sorry if this is a ridiculous question, but its a life changer so definitely need to think this though.
btw, wife is on the don't really want kids side, but she thinks she might regret it more if she doesn't have kids then she does. I know she would be an amazing mom though.
If you or your wife aren't at least 90% sure on having kids, my suggestion is don't do it. There are so many times that it is hard as hell raising kids and if one of you had to convince the other, then there will likely be resentment. It seemed like immediately after getting married everyone was constantly asking when we were having kids and acting like we were going to be too old even though we were still in our mid-20's. Thankfully we both knew we were not ready to be parents. We wanted to travel, stay out late, and sleep in. You can't really do any of that once you have kids. There came a time once we were in our 30's that we enjoyed being home more and both knew that we could be completely unselfish with our time and money. We had a nice house, plenty of great experiences together as a couple, and were in a good financial position to be able to take care of a family. I can say with absolute certainty that I'm happy with my choice to wait to have kids until we were both ready.