i really like small studs. mine isn't pierced, and i have no interest in getting it pierced. but i do really like to look at them. strange. anyway, sounds to me like you know exactly what you want. think of it this way. you've spent the last ten years earning it. if i still wanted something like that after ten years, i'd go for it. chances are, the desire is there to stay. like you said, you can always just take it out. you're definitely not too old for anything. i'm the same age, and i'm trying to figure out how to add some purple to my hair as soon as it's long enough to not just look strange. that's something i've wanted to do for ten years (although it's gone from blue to purple

). i say get it done. don't forget to show us pictures!
