> If you're the type of person for which those points sounds disastrous, don't have kids.

This is not a great advice. Those points only "sounds disastrous". It can be totally changed after you have kids.

As a developer, I always know I will be less productive etc. after having kids. On the other hand, I know I am not a genius, and I know I will be fulfilled more from my kids than from my lost productivity.

And then, you know what? When you get older, you will realize that losing productivity is unavoidable. It is so great to spend time with your family outside of work. Nobody can stay at 20s forever.

There is one more important factor: If you want to have a life without kids, you need to find a partner with the same mind set, which is not easy, or just stay alone.