Pregnant after 35 is it worth the risks?

So my husband and I continuously talk about whether or not to have a second child.  we were blessed 5 years ago with a wonderful little girl and even though I wasn’t sure about it at first I wouldn’t change it for the world.  Since then we have halfheartedly tried for a second child.  Never going over the top with all the extreme methods to conceive.  I am now 35 and to be honest overweight (even though I battle it and exercise daily 🙁 ).  We started seriously talking about the fact that we both wouldn’t mind a second child.  I have read about the risks associated with having a child after 35 especially if you are overweight of course if you are even lucky enough to conceive.  It sounds like everything is stacked against you.  Is it worth risking everything including the child’s life to do it?