There's a reason that it pays so much. It's not easy. People look at the salary and say, "I need to do that... " It's something you have to love because if you don't know what you're doing, then there's no talking your way around this or that. You need to have a love for it, because you WILL be spending a ton of time learning something that, if you don't like, you will find extremely boring. The key to behind programming is you HAVE to know what you are doing.
You don't even need a degree, but as I said, you have to realize that there is no slack. You can't talk your way in and out of anything. Either you have the knowledge to make your program work or you don't. Some of the best programmers don't have degrees, but they have study habits and experimentation habits that far surpass what would be needed for the typical degree.
See if it's for you first. Pick a language and attempt to learn it. See if you can study and experiment with it for hours a day. If it draws you in, it may be for you.
How true is the whole you don't need a degree thing? Cuz I'd say about 90% of the job postings I see require a Computer Science degree.