Anyway, my personal experience (or 2 cents if you will):
I grew up loving to sing. People told me I could sing. I had/have a great voice. But I loved to sing operatic vocals (Geoff Tate, Alvin Slaughter, etc.) and the sound of my falsetto is somewhere around Rocket J Squirrel (or Mickey Mouse) on steroids. So I thought my voice sucked. Turned out, I was just not good at singing what I wanted to sing. My voice was much more suited to Quiet Riot or Ozzy Osbourne. And even better at lower vocal ranges. When I came down to tenor or baritone, my voice sounds great. But I still can't sing into a studio setup without sounding flat.
Bottom line: I sound good live, but I can't sing in the studio. I can hear well with monitors, but not with headphones.
Don't give up on your dreams. Even if you get to be 40, you're not to old. Find a good coach (I had one in the early 80's that taught me more in a year than I could teach myself in a lifetime.) Some singing techniques are not "obvious" or "natural", but can only be learned. And again, "How do you get to Carnegie Hall?" "Practice."
Oh, and by the way. If you think your voice sucks, it will. You have to have the mindset as well.