Thank you for creating this post.
Perhaps a quick initial qualification: Perfect or normal are 2 words that should only exist in mathematics. In any type of other context they are balloon-words, i.e. statements of intent.
This brings me to my feedback on your post: perfect time to have kids does not exist. So my advice would be to stop looking/waiting for it. If you and your partner are both ready and able to take on the challenge, go for it. Do not let external qualifiers pollute your drive.
Is it in general a good idea to have kids... Well opinions differ and people exist that state they regret having kids at all, and kids exist stating that they wish they had different parents, or none at all.
Should we heed these warnings? Well yes, of course in the same way that there are warnings/edge cases where eating vegetables resulted in an unfortunate situation...
The thing with kids is that they force you to, at least, test yourself on the (for me fundamental) parameter of humanity; Do you dare to love something more than you love yourself.
just my 2 cents,
kind regards,
Kada