I'd be wary of taking your conclusions at face value. You can obviously reason differently after accumulating a lot of wealth over the 10+ years.
What-ifs are an impossible dilemma, and I wouldn't stress on what type of person I am: I know I change, so I am a different person at different points in time (and in large part, due to circumstances).
It sounds like you could comfortably take a couple years off to do whatever you regretted not doing earlier, and by the end of it, you should have no regrets. If you do, however, plan your days like it's work (I've taken multi-year leave, and I behaved as if I have all the time in the world, and I didn't really achieve much of what I wanted to ;-).
What-ifs are an impossible dilemma, and I wouldn't stress on what type of person I am: I know I change, so I am a different person at different points in time (and in large part, due to circumstances).
It sounds like you could comfortably take a couple years off to do whatever you regretted not doing earlier, and by the end of it, you should have no regrets. If you do, however, plan your days like it's work (I've taken multi-year leave, and I behaved as if I have all the time in the world, and I didn't really achieve much of what I wanted to ;-).