It is extremely personal. In fact, if I speak to someone and there's any ambivalence whatsoever, I strongly encourage them to wait. Don't go forward with this if you're not sure. As sure as you can be. But if you have nagging ambivalence, don't do it.
Some individuals are incredibly resilient.
Others are haunted by that image that I alluded to before. They fear, literally fear, becoming their parents. They've got the picture in their mind. They know what it looks like.