I'm father of 6. Ages 7,5,4,3,2 and 8 months. (I'm atheist before you ask.) My best work--in technology has coincided with a pregnant wife. Between our disappearing nightlife schedule (more hack nights FTW!) and the caveman drive to go hunt on the plains (which for me means more LOC), a pregnancy has been productivity heroin.
Yes, a baby does change your life--in other more significant ways. The intensity of emotion cannot be described. But you will know it when you are holding your own son/daughter in your arms for the first time.
Don't dilly-dally. Have kids early. While you believe you are underfunded, underprepared and "distracted" with your tech startup.