Anecdotally, I feel like im a pretty different person than I was when I was 22. Had first kid at 34, and am now 42.

Analytically, I can’t know for sure if I would have significantly different feelings (e.g. regret, relief, etc.) if I had made different decisions. I recognize that the world is different now for 22 year olds compared to when I was 22. If “regret” avoidance is the main objective, then I’d guess that you could make a better assessment of potential outcomes (your possible feelings of regret) than your family as long as you’ve considered all of those outcome scenarios.