I don't have kids, but very much want them. But for a number of reasons, it's just not going to happen in my life and I've made my peace with that.
Firstly, I am a trans woman married to another trans woman. Quite happily! So obviously our only option would be adoption, however due to a chronic medical complications I'm currently using a wheelchair full time without any clear indication if that will ever change. I'm in constant pain that makes any sort of mobility difficult so very often I don't leave the couch. So while it is possible for us to start the expensive and lengthy foster parent system, there is no guarantees I would physically be able to help my wife with child raising. And since she is also our sole income, I can't also expect her to work full-time AND do transportation, logistics and day to day child care while I am bedridden. Especially when my wife has said that her life is complete without children.
I take solace in the fact that our hormone replacement has likely made us sterile. That's often not the case completely, but for my own emotional well being, I assume it's a certainty so I don't think about surrogates.
Part of having a disability is grieving the loss of your old life and old expectations, while coming to terms with a new life along with new goals. This is a touchy subject with a lot of complex feelings, but I want to thank you OP for promoting the question and allowing me to talk.