Also an actuary. Consulted at one time but work at a company now. I started programming around the same age and also use it for work. We all do SQL but I am the only one doing general purpose coding at my company.
Also have web skills (the coincidences just keep coming). I do a few things on the side and am contemplating a bootstrapped startup soonish. For example, I did everything but the logo on this site: http://tvsift.com/
I'm an actuary as well! I would dispute GP that "as an actuary you have to program". The overwhelming majority of actuaries I know barely know how to use VBA. I quit chasing a career in Comp Sci at uni (I started programming at a very young age, and always wanted to be a software engineer) to switch to actuarial science, but now, even though I'm a Fellow, I've quit my job to go into entrepreneurship. I think that being an actuary places us very well to go into startups that take advantage of our analytic and risk management skill set. With the amount of data being collected, that means about 90% of startups.
I can't argue with your experiences and I guess I have been living in a bubble. With all the legacy data we have (the company started using IT in the 60s and the coverages are until the end of life... AS/400 is still in active use) data munging is a task in itself.
I fully agree with your last sentence! May I ask what you're working on?
Also have web skills (the coincidences just keep coming). I do a few things on the side and am contemplating a bootstrapped startup soonish. For example, I did everything but the logo on this site: http://tvsift.com/