For what it's worth, I had my second at 37. No trouble other than my chronic high blood pressure, which is not an age-based factor, and was easily managed because we already knew it was there. Yes, the risk factors for some things are a little higher, but that doesn't have to be a deal-breaker. In fact, if you listen carefully, you may notice that some doctors, when talking about things like Downs Syndrome (usually when trying to sell you on taking tests that you consider unnecessary) will use percents when presenting some things and straight odds when presenting others - choosing the numbers that sound scariest to push you into saying yes. Don't buy into the fear. Do your own research and make up your own mind.
I've just read your "So What Happened?" A note on adoption funding - I haven't done it, but I have friends who have, and there are organizations out there (the ones I know of are church-related) that offer grants or will match funds to help with the expense. You might want to do a little research in that area before you give it up as too expensive.
Good luck with whatever path you decide to take.