What you see as incompatible, I see as potential obstacles that can be the source of good story-telling: how do you balance being a good parent and being a good superhero? Do you see superheroing as risking your life irresponsibly or trying to make the world safe for your kids to live in? How do people with an adventure-seeking personality deal with the responsibility and tedium that comes with having kids?
(It’s almost like a metaphor for career vs. family struggles…)
And one of the ways that I know that it can be a source of good storytelling is that it’s been done before: the Fantastic Four have kids, X-Men have had kids, Luke Cage and Jessica Jones have kids, Jessica Drew fought a Skrull invasion immediately after giving birth.
So no, I don’t think there are life stages incompatible with being a superhero.