I waited until I was 44 years old to do it, age is not a factor.
If your friends ask why, the answer is because it was either this or a Prince Albert or a belly button ring if you want to be less risqué. They'll all laugh and it will be over Ultimately you did it because you wanted to.
It doesn't hurt, the option are much better than clip ons, and if you want to they heal over if you stop wearing them.
I bought a pair of diamond studs I wear all the time in male mode. They double as a nice pair when in female mode too.