The Five Country Plan

I've never mentioned on here my views and hopes for children, so I thought I'd enlighten you (and be able to process this whole thing a little bit). Michael and I have been married for 5 months and we are nowhere near wanting to have children. We do joke around that when his sister, April, has her baby (it could be any day now...), Izzy (the baby--her name is going to be Elizabeth) will be our guinea-pig in dealing with a child. I've done nannying but it is nowhere near the same thing as having your own, and I have a feeling that Izzy will be the same way. We wont have to get up with her every 3 hours, and can give her back to April when she's fussy. But we'll see... because currently, the thought of having a child makes my heart race-- a sure sign I'm not emotionally ready to have a child.
On a recent blog post I read, it introduced me to the idea of leading a quiverful lifestyle in regards to childbearing. I'd never heard of it, having been raised in a pretty relaxed and non-traditional household. People who adhere to the quiverful ideas say that any sort of prevention of having a child (including abstaining from sex during ovulation [aka natural family planning]) is a sin; that God creates life and we should not stand in the way of God's life-giving powers... if you know me at all, you can safely guess that I don't think that is legit.
But I must admit, it did get me thinking. The blog I read linked to another blog that started the whole discussion. The idea that I took out of it was the idea that married couples don't tend to consult God in their reproductive decisions. Michael and I had never discussed what we thought God thought about us having children. So from that blog, Michael and I got into a pretty interesting discussion about what we thought God would want from us, if using contraception really was a sin (we don't think it is), and, like the original author of the blog was discussing, we had a discussion surrounding the idea of God and contraception.
But even though we don't think that we are sinning or preventing God from creating life (which he could do even with using birth control), we know that we are not anywhere near ready to have responsibility for a child's life. We barely make enough money as it is, and we're only in our early 20s for crying out loud! We could wait 10 years and still have plenty of time to have more than one kid!
Another aspect to our decision is that we want to experience life first. We want to travel, we want to live a life that is not dictated or restrained by having a child. Yes, I understand that children are a blessing, but where we are in life right now, we don't see it that way. If we ended up getting pregnant, we would embrace it and love that child more than we could imagine, but if we can prevent it and lead our life sans children for a while, we would like to do that.
But the question arises: is that selfish? Is that too self-centered? Is it okay to be all about us? What if we're not meant to even have children? (Even my sister pointed out "you don't even like kids"... I'm sure it'd be different if they were mine, but what if that's true? What if I wouldn't like my future children?) Is it socially (especially in the church) acceptable to choose to not have children?
We've decided on a 5-country plan for deciding when to have kids: we want to travel to 5 different countries before we have any kids (we know that is completely unrealistic, so it's actually "after Michael is done with school [in 2 years] we'll reassess the situation" plan)... but we can dream!
How do people decide when to have kids? When it's an unplanned thing, you obviously have no choice, but if you get married, how have other people made that decision? Do you just get the "baby bug" and that's when you start trying? There are just so many questions surrounding this seemingly small subject... I'll be wrestling with this one for a while.
Oh, and if we're lucky to make it to one country, we'll be happy :-)