At 42 are you too old to realistically think about going racing?
Don’t be silly. I didn’t start until I was 45 (50 next year). I’m unlikely to make it to 2nd Cat easily (not a big sprinter), but have gone from fourth Cat back of the bunch to finishing top third in 2/3 100 km road races. Vets racing is VERY competitive as well, I’m sometimes top ten in those races, but seldom troubling the podium.
Set some realistic goals, try and exceed them. Mine is domestique duties for our team, 300 km/week training/racing and 2nd Cat as a stretch goal.
As for off road – well the above gives me the fitness, but as for skills – bwahahaha – top third is my limit, and that’s based on beating people on the climbs and trying to mince my way to the bottom before I’m caught again!
Have a go, it really is a lot of fun!