When you are in the final stages of life and have nobody to visit you, you will regret this type of thinking.
And that’s not even counting the cases where your children can’t stand you, if not estranged and outright hate you. Which if you read suggestions that ever dare to suggest that you can indeed live with your parents beyond the age of 18, seems to happen quite often too.
The first scenario is the good ending, and would definitely be worth the effort of raising children.
The second ending? I think I’d rather just not have kids at all if that’s my fate.