Actually, I am somewhat serious about my comment concerning navel-gazing. I have seen so many people of this current generation that don't seem to get the real meaning of marriage and raising a family and they seem to spend a whole lot of time debating factors that don't really matter. Most of the factors will change in your late twenties anyway and they are not under your control.
God designed us to be married and we should take the opportunity to see that His plan for us is fulfilled.
Another issue to consider is the state of people today and how the developments over the last 40 or so years have changed society. We are not 35 years or so into the age of divorce and the effects are rather chilling. We are also into our 4th decade of feminism and the destruction that has wrought.
I see people being far more confused about their choices and with good reason.
I agree with your points. It's true that I wasn't especially mature or well-prepared for marriage at 22, but I don't think another 10 years of single life would have helped all that much. Being married and having children is a "maturing" experience, and I've got the gray hair to prove it :-).
One of the problem is the skill sets required to prosper. We live in a complex world that requires very highly specialized and complex skill sets to get ahead.
Fer instance -- a corporate lawyer won't leave school until his or her mid-20s. After that they become an associate, which requires 80 to 100 hour work weeks (billable hours!!!) Figure they will change jobs once or twice and that takes them up to age 30 before they are "stable."
The same is true for any number of jobs...