1) consider financial, how much money is left each month for saving. They still need to save for kids' education, medical expenses and retirement. What if 99 is sick in future, have to pay that too.
2) is 99 willing to take care of another one
3) 35 is 高0產婦,有機会有唐氏,要11-13周去照頸長
4) no guarantee the 2 kids can get along
5)身體應付吾到? What do you mean? Too tired to run after the kid when she is 40? My cousin gave birth over 45 (her third son, wanted a daughter), not living in HK.