@Marcus TAS Might I suggest with a family, mortgage and a notion of excitement about cooking that you might take a moment to dip your toe first in sort of speak. Remain in the field you know best and can maintain a decent wage and then get a part time job a couple of nights per week to learn about kitchens and cooking. This will give you the from the ground up look at things in the culinary world and what you would have to endure full time if you were to jump right in. Also, this will give you an idea of the approximate hours you would be working in the culinary world if you were doing a full time job in your expertise and a part time in the kitchens. There are long hours 50+ per week, on your feet all day, bending, twisting, fast paced, heat, cold, burns, cuts, bad language, verbal (if not more) assaults (more on the ears than anything), no thanks, and little pay (starting at minimum wage with no experience).
You always want to do your homework with any new career and the culinary world is one that most do not do enough research. Too many cooking shows make people think that it is an easy thing to just get into cooking and make a top chef through passion and hard work. That is not the entire picture. To be in the culinary world and have a very successful career one must have an innate culinary sense, a flexible and dynamic mentality, a physically fit body, the ability to learn new skills, be able to give up certain parts of your life for the culinary life, as well as passion and hard work. So just because you enjoy cooking does not mean that the culinary world is for you unless you have walk a bit in this field and KNOW for certain. At 36, school and an apprenticeship (IMO) might be redundant, as you have a business sense already. You can get a job (or volunteer) in some great kitchens with some wonderful chefs that will be willing to teach you the ropes and skills needed to create your own culinary business. (Just a thought)
I would definitely not wish to dissuade you from following your passion if it is a passion for you to be a chef. I wish to see you succeed and success comes from knowing oneself and path they wish to walk. Doing your homework is like writing a business plan so that you have a focus and know how you are going to achieve your goals.
I wish you all the best!