I know what you're saying, I do agree that assessing your situation as best as you can before making the decision is wise. There are 2 points I have about this idea though.
Firstly, it's that I may never feel ready, so I may be deliberating about ctb for a whole lifetime. And my lifelong deliberation would have ultimately just extended my suffering when I could have spared myself decades of potential unhappiness if I had just bitten the bullet.
Secondly, it's that we can't know what's going to happen in the future, we just have our best guess. If someone wants to live on their hopes that it could get better I respect that, but when does hope become cope? Some people would stick around forever in faith that things might change.
If someone has doubts which are based on the existing positives in their life making them less willing to ctb, I get that. Personally I have none of those, all of my doubt is due to the SI-based fear, particularly around pain.