I currently have a surprise baby on board and I'm honestly dreading the birth and everything after. My eldest triggered the BPD in me and I haven't recovered even though he's nine now and I've had nine years of therapy. God, the baby screaming is dreadful esp if they have reflux and scream non bloody stop for hours and hours which turns into days/weeks etc. Awful for everyone but you can't just give baby back. It's yours and you are responsible.
No one truly has any idea what having a baby will do to their life until you have one. So go ahead, have a baby and find out just how demanding it is. Even when you're so sick you can't face getting up, you have no choice at all.
A baby will also change your relationship with your partner. He will have to take a backseat for a few years. Many couples split during the first years as the pressure is enormous and some people can't adapt.