Introspection and small steps.
You say there are several reasons for you to not become a professional game developer.
Why not become a spare time indie game developer? Sell your games. You've got enough talent and ideas to create sellable stuff.
If it doesn't work out it doesn't hurt. You've still got your day job. And you spend the night time in front of the computer anyway ;-)
Those published games will give you reputation to switch to professional game dev later on if conditions are different and better match your personal conditions.
And if not you can still make it to IGF, GDC and earn some nice pocket money with your indie games ;-)

The challenge of life seems to be getting enough personal satisfaction and happiness while juggling with all the hassles of job, family responsibilities, mortgages and all that...the hamster wheel we're all stuck in...