Sorry but Cards are really not in your favor. Firstly, You are going to hit 40 next year which will reduce your age points to 15 (from 25) and thus decreasing the overall points for PR.
Secondly, you cannot even claim partner points. So in short your overall points are going to be less which makes it very very difficult to secure an invitation.
Thirdly, you are offshore (bummer)!
To give you a frank and honest advise, dont start anything for Australia now including writing PTE/assessments etc if you dont want to get stuck with no invitation and expiring documents in the future.
Better suggestion would be to look for other countries where they are still inviting and processing residency visas or maybe wait for another 1-2 years and see how things unfold for Australian Immigration. That way you will have an idea of the changes happening with migration rules/criteria and can then proceed.
Aussie land will not open up fully until mid of next year and that too isn’t certain so why to invest on something for which you are not sure of the returns?