As a professional musician, amateur pilot, and amateur sailor, I can safely say, with complete and total certainty, that none of those three things are anything at all like I, or the vast majority of people, picture(d) them to be. Don't get me wrong.. I love all three things, but the reality of each is so far removed from public perception or over-romanticized media representation as to make them unrecognizable.
Forgive me for saying this, because I certainly don't want to rain on anyone's dreams, but reading your consideration of trying to find an $80K loan to become a pilot before having some real-world experience in a cockpit struck me about as logical as someone liking Kenny G's records and deciding to go into jazz for the money. Along the way, you'll learn the aviation equivalents of the following...
1. Kenny G is an absolutely terrible example of what true creative, sincere, quality jazz playing really is. Look up "Pat Methany Kenny G rant" sometime for a good read.
2. 99.9% of jazz musicians either do something else for income, or play lots of gigs other than jazz to subsidize their "Jazz habit."
3. "This is going to take a LOT longer to get employable than I thought..."
4. Sailing is a lot of fun. More than half of sailing is working on the boat, fixing stuff, maintenance, and sitting around waiting for better weather. Very little of it is actually sailing on a beautiful day holding a rum drink. Virtually none if it, except for a select few, is sailing to Tahiti where soft breezes flow.
Enough.. you get the picture. I love to fly. I've been flying off and on for about 15 years. I now own my own very inexpensive (as planes go) plane, and am spending a lot of time and money making it a better plane. Working on my IR, and would like to explore commercial and CFI eventually. However, I'm partly retired (still actively performing) and don't need the income. If you have a good job/stable income now and a happy life, just start taking some flying lessons from a local instructor and see if you like it. Give it time. Get your PPSEL, or at least a very good way towards it. If you're STILL gung ho about being a commercial, professional full-time pilot and can't see doing anything else at THAT time, then go for it. Until then, well... it'd be sort of like marrying someone you've never met, but looked good and told you he/she enjoyed the same things you do. Who knows what the truth really is.