I would really like to get into the gaming industry, despite the horror stories you regularly hear about working conditions. The main problem for me is that I'm really old (>50), and there's no industry near where I live.
It was when I saw Derek Yu and Alec Holowka release Aquaria that I realized there's no gatekeeping anymore. Make your game.
However, if you're looking to be part of a larger team, that is indeed a challenge with the limitations you mentioned.
The real question is what exactly is stopping you right now?
You can just start making games. In my game dev group we have a bunch of experienced programmers.
Nothing is stopping you from downloading Unity or Godot.
The actual business sucks though. It’s very hard to make money or stay employed. Industry legends are on LinkedIn soft begging for workers.
It’s a fantastic hobby though