Sounds like you do know what you're passionate about! Cycling and music are as valid as engineering for career choices, even if they aren't necessarily as high paying.

I also have an engineering job. It's cushy and the work is interesting but I don't LOVE it. I don't necessarily have a driving passion in my life. I don't even really have plans for RE, I just want the option to be available to me. Hopefully it will give me enough of a safety net to be able to take jobs that seem interesting or fun without having to worry about making ambitious career moves, or go back to school if I feel like, or take a year off to travel.

I went to undergrad with several people who were starting new careers in their 30s. It's definitely doable. I also don't think a lot of people have direction until later on (if they ever do at all). Many of the people I talked to when I was networking at my old job described their career as basically a series of accidents that landed them somewhere they liked, and then they stuck to it. There's plenty of time to figure everything out.