Yes, I agree with you that you have to create some meaning in your life, make up something and convince yourself to believe in it, because there is hardly another option.
I've faced all these (disability from a young age even) and as a result, I don't think there's any way I could raise children. Both because of my own issues make it seem challenging beyond possibility, but also because I wouldn't want to force a child to face the same problems I did. I very much believe to each their own on this particular subject, but if global fertility is "collapsing", then it seems like more people are coming to the same conclusion for one reason or another.
My point about being comfy, was the OP's self description of a blessed, wealthy, pain-free life. But this state of things is temporary, so to be sure one has the mental, emotional, and spiritual tools to accept life when one isn't living a comfy existence. The description of having kids, and of life itself being meaningless, is a signal that when life throws the OP a tragedy, the response will not be healthy.