I've wanted a tattoo for a loooong time and when I turned 40 I decided I was going to do it. That was last year. Just this past spring I FINALLY found the artist I want to use. Now it's a matter of scheduling the time to go there (it would be a weekend trip) and deciding on the location (I want it to show).
If you are the LEAST bit hesitant about a tattoo - don't get one.
I personally wouldn't get a belly ring because that would require me exposing my big fat belly!
Maybe when I lose all this weight ...