A. - what a dilemma! I know it's so tough to make these types of decisions. As the other moms have said - it is your personal decision. Leaving a baby to go back to work is, in my opinion, the hardest decision ever to make.
In reading your post, I see that you talked about the pros first, then the cons, then the pros again. So it sounds to me like you're leaning toward taking the job. There are many pros and cons to working, and many pros and cons to staying home. And those pros and cons can change as your life and circumstances change. so for right now, is the pro of the income bigger than the pro of staying home? Maybe so, maybe not. Is the lack of income straining your marriage to the point that it will greatly suffer if more money doesn't start coming in? If so, then I would say that outweighs staying home right now (because your #1 priority is the family unit). If the extra money would just help pay things off and save, then maybe working is not the answer.
You need to just think it through and then talk it through with your husband. Get his input. This is not just your decision to make - it's a family decision. Take the weight of the burden off of your shoulders a little and share it with your husband. Tell him all your feelings about it and just see what he says. Maybe he really, really wants you to work. Maybe he really, really wants you to stay at home. Maybe he wants you to make the decision. But talking to him will help to strengthen your marriage, too - especially if you both opt for you to stay home. Then as money woes rear their ugly heads, you'll be better prepared to face them as it was a joint decision not to bring in more income, so you'll be fighting from the same side.
Straight up advice - I'd say take it. You may love it, you may hate it - but you'll never know until you try it. And if it doesn't work, you can quit. Even if that's halfway through the first day! (I did that with my first job back - I lasted 2 1/2 days). No harm, no foul, and you'll have made a little bit of cash.
Good luck - S.