I have a tendency to be blunt, so...
I have an IQ tested in the 99th percentile. I am very good with science and I have an INFINITE number of interests in fields related to these subjects.
You're describing what will be the fastest growing, best paying field for the next 10-20 years. If you haven't noticed there is this big push for high school students to take math and science very seriously. This is for GOOD reason, it will be growing - especially the medical fields and scientific fields.
I also am a pretty good photographer when compared to others my age (and even with some people with many years of "experience").
Congratulations on your retirement!!! Woo hoo, what you gonna do with all your spare time? Sorry, but to me the day I say this statement is the day I'm done. My clients and others can judge my photography, but to me there is too much room for improvement, too much learning to be done, too much progress to be made.
I had not even brought photography as a career into consideration until recently when constant urging of my peers has caused me to begin to question what I previously hadn't even considered.
Your peers know nothing about photography, they know nothing about the business, they are not the ones you want to hear from. You smile, nod, say thanks, and throw it out. Even the worst photographer has friends and family who sit there and tell them how great they are! I know SEVERAL of these people, consider some friends, and they went out and started a "business" because their cousin said how great that one photo was on facebook, so like OMG I should go pro is what they thought.
not because it hadn't dawned on me that photography is a viable career but because I know how much more competitive the field will become as all these "photographers" (and I use that term loosely) begin to emerge and I know that I have mind for something math or science based (how was that for a run-on sentence :P)
English, get in the 99th for English
Seriously the photography field is tough, as has been stated a thousand times over it is one of the lowest paying, most stressful, and highest failure rates there is. Everyone jumps in thinking it's easy when it is far from it. Depending what you want to get into (weddings, sports, portraits, event, news, etc.) each differs and each is demanding, but none are easy.
I feel like pursuing a career as a photographer would be the lazy thing to do. I am decent at calculus and I'm sure that I could be much better if I were to apply myself in my class and I had been considering a career in computer or software engineering but I'm not sure if I could see myself being happy in any of those careers.
So, you're a basic high school kid. Do you know what the average of kids going to college without a master plan, or changing plans is? Seriously, I don't, but gonna guess it's pretty high. Think we are in the same boat. I went into college looking for a certain program of what I thought I'd be doing and was good at, not really what I thought would make me happy in the long run. First couple years were fine, the middle years sucked, the ending was one that kind of got me wanting to work in that field again. Though the 3 degrees in the process collect dust and are used for coasters they are there, a lot of what was learned goes into the photography business, and if it fails there's a net behind me.
Have to remember, photography you can always learn on the side and you can take electives to help you along the way as well. Quiet simply as a high school student what you like now you may hate in 5 years, and vice versa.
Basically, my question is, with the increasingly easy (and more affordable) access to camera gear previously unavailable to the consumer public, is there a way to make a decent living as a photographer?
Yes, but it's a lot more difficult nowadays. You have to adapt more than ever and that's why you see many, and I do mean MANY, older photographers failing - they are not adapting. Compared to four years ago my concentration has totally flipped, and income has doubled (net profits have increased, but not doubled, that's a number won't even consider to the end of the year). It can be done, but it's just like any career like it - most will fail, many will barely survive, many will do decent but not great, a few will do great, and a small percentage will be amazing.