Hello,
I was 35 when diagnosed in 2018. I was diagnosed while pregnant, and had my first 3 months of chemo while pregnant, then had baby and went on to have a different sort of chemo for another three months. I found chemo challenging...but somehow managed to get through it...one week at a time. We have two other children, who were 5 and 3 at the time...I let them cut / shave off all my hair before it started falling out...(which they enjoyed WAY to much ;) )
I get what you are saying, chemo is scary...and not a lot of fun.
At the end of the day, its your body and your decision.
My husband took 7 months unpaid leave from work as soon as the baby was born, and he was able to access a government carers pension of some kind...so he become the primary carer for all three kids, while I was recovering from surgery, going through second lot of chemo / radiotherapy. (I'm not sure if you have a partner, but having someone who can step in and care for kids when are feeling a bit rough from chemo can be really helpful!)
I wish you all the best, whatever your decision!!!