I agree with your "screw that" statement. I worked in childcare when I was in college and I vowed that I would NEVER stick my child in a day "orphanage" if there was absolutely anything in my power to prevent it. (And I worked in a really good child care center. We were paid well, had a reasonable child to adult ratio, good facility, video camera monitoring of staff, etc. but the bottom line is that there is no real one-on-one with the children and of course some children were "favorites" while others were not.) If you have no choice, then you have no choice and you work with the hand your dealt.
I am also a well educated, licensed professional and it's hard to step away from that dream job. I have colleagues who claim that working outside the home makes them "better" mothers because the time they devote to their children is time they FULLY devote to their children and because they look forward to that time because they've stepped away from them for 9 or 10 hours each weekday. I think this is denial. Child care/mothering is a 24/7 job. Not a two hour per day "kiss kiss, mommy loves you and misses" session. That's visitation. If you had a 40 hour per week job but only had 20 hours you were able to work, your boss would fire you because you would NOT be a good employee.
You're almost certainly going to hear from people from the SAHM and working mother camps. And we each firmly believe that we are correct. But children are tough and will thrive in most situations - so ultimately this is going to come down to what is best for your family.
I believe that there is no way a paid employee can love and nurture my children the way I can and should but staying at home also makes more financial sense than you might think.
As a licensed professional, my income (when I was working outside the home) was pretty decent. But, when you factor in all of the work-related expenses working outside the home isn't that much of a financial advantage. The expenses: Child care, vehicle insurance (which is more when you drive to work), gas, vehicle maintenance, dry cleaning, professional clothes, lunch/beverages that you purchase during your shift, plus the take-out you are more likely to grab when you're on your way home from work because you're too tired to cook/go to the grocery store.
I've had some friends who realized they weren't actually bringing in any extra money.
Staying home can be hard and lonely, but there are so many benefits. (And there are so many other SAHMs you can meet.) My little guys are only going to be little for a short time. I can stay home for them until they are all in school. The working world will still be there when I get back!
Good luck to you in making your decision. That you are struggling with this tells me that you are a very good mother and your baby is lucky to have you!