It just depends on the situation i think, every case is different, i dont think 37 is that old to be having a baby, a lot of women are choosing to have children older now, i myself had my daughter at 34 and a half, sometimes i do feel a little old, and im a little less tolerant than when i was young, but due to a health problems i tire easily, but i dont regret having my girl for one moment, besides you are as young as you feel.
I guess we should draw the line somewhere, but whoes to say where if you know what i mean.