As someone kind of in a similar situation at the moment, I do think you're kind of right about this (not for everyone, of course).

I have felt several times that "Is this just it now? We're not going to do anything terribly different, just work/eat/hobbies/occasional trip, pretty much on a loop, while our health just keeps getting worse?" I do feel having children would change that, but for various reasons (not all of them great reasons, imo) we still haven't had them yet.