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I would say that if you want more children then I would go for it. Are you both in 100% health? If not would you chance having your child not have both of his/her parents? Having a child at an older age cements the fact that the child will not have both parents living for a good portion of their life. Even if your husband lived to 90 your child would still lose his father early in life. I know people who have had babys in their 40s and love it but there's a lot to think about. Will your retirement hold when you have to pay for $40k in college debt? Not to mention if something was wrong with the baby will you be ok with taking care of the child well into your elder years? It's up to you but I would give it a good hard though which I'm sure you have. Best of luck.

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