Clodagh
Rage, rage, against the dying of the light.
If there wasn't what you considered an excellent option on the table I would suggest a bit more caution, having someone you think you can trust, who will enjoy your mare and a situation you think your mare will thrive in makes it a very attractive option IMO.
I've had friends do both and both been happy.
I thought Clodagh meant that kids cost money, therefore automatically you are likely to have less knocking around not that they were paying for more livery?
I think OP said with no horse they could go back to work one day less a week, so could therefore spend it with baby. Will go back and check now!