It's not that easy to find a girl that is trustworthy and compatible once you pass 30. They're out there, but you have to sift through a lot of garbage to get to them. I wish I'd settled down in my early twenties.
You talking like if you 'find the one' or 'settle down' then that's it, you are set for the rest of your. It doesnt work like this anymore, with today's situation it is most likely you end up divorced, and sometimes sooner than later, going back to dating market.
I believe there is no end point in today's world, you always need to keep work on yourself, keep your looks and health for longest that you can, improve yourself, save money, and be prepared for anything, there are no guruantees
My brother is in his early 30s, just now going through divorce. After 7 years of marriage and 2 kids. needless to say he lives now in shitty apartment and has zero money. The funny thing is that he has been balding for years now, but it didnt bother him, also he completely neglected himself, never work out, zero shape, zero care for appearance. Just recently he suddenly start to be all concern - he had cosmetic surgery, and really bother with his hairloss, trying all kinda sh*t to save what left. It's obviously since he knows he is out of relationship now, but it is really too late, he looks old now. There is even good chance his wife just didnt find him attractive anymore (big part due to baldness Im sure) and that was one of the causes to the divorce.
Of course this is only one example, but I see it all around me in my personal life, everybody getting divorce, there is literally only one couple I know that stayed married for long term (30 years). And as statistics say - 80% of divorce are intiated by the woman. Well, I dont blame them, I would do it too if I found my partner getting really unattractive to me, and I thought I cant get something better outside, this is life.