This is exactly the point I was trying to make. For example, "My car breaks down every week, it eats gas, it forces me to never eat out or go on vacation because the repair costs are so high, and it takes up the entire garage so I had to get rid of all my other toys, BUT I LOVE MY CAR!" As a non-parent this is exactly how it sounds to me and I'm not trying to be cynical. Why do people complain about getting up at 4 AM every morning and then beg me to have a kid saying how wonderful it is.
On another note, both my sister and I were adopted by our parents who were in their late 30's at the time. My wife was born when her parents were in their late 30's as well. Having what we had growing up will be impossible on the salaries we make now and we want our kids to have the lives we did - that's why I'm concerned about money. And because I am adopted I see that as a 100% viable choice if a couple is infertile so I get upset when people claim adopted children, "just aren't the same".