I can tell you what we did do: We got married and had a child before our first anniversary. This has decreased my wife's earnings by at least $20k/year, if not more (20k would be if she made per hour full-time what she does part time, but f/ters often are able to secure better pay than their p/t counterparts). Since our son will turn 4 in June, and she spent two years entirely unemployed, I don't think it's unreasonable to say we've already given up $100k to raise our child. Since we intend to homeschool, and have another child, that could easily add up to $1M+ by the time we're empty-nesters (and that's just assuming a natural career progression, not counting interest earned!). Even as I write these numbers, I have absolutely no regrets, and I'm confident my wife feels the same. But you are not us, so I'm not really sure how much what we would do in your situation would help.
What I do think could help is this: There is never a "good time" to have a child. Even if you're FI, there are always other things that you could be doing, but won't do if you become a parent (assuming you don't intent to procreate and then hand off the responsibility of actually raising the child to someone else). If you find yourself rationalizing that now is absolutely the right time, or that now is absolutely the wrong time, it probably says more about where children are on your list of priorities than whether it's the right time. So, with that in mind, are the three factors above sufficient reason for you not to have children, or are you both willing to potentially give up one or more of those things in exchange for being parents?