The vibe that I am getting from your post is that you want another baby. You've got the logic at work (which is important), but it seems to me like you are already coming up with solutions in your head to various situations. It also sounds like your husband would be happy with another baby.
My first 2 pregnancies and deliveries were easy peasy. I'm about 19 weeks along with our 3rd, and this pregnancy has been a lot more challenging. I have joked that I don't know if I'd be on baby #3 if my first 2 pregnancies were this way (but remind me of that in another 2 years). LOL! :)
I come from a large (blended) family. There are 7 of us siblings altogether (4 full, 2 step, 1 half). I am the 3rd oldest child, and I have always LOVED having so many siblings. Okay, to be honest, we did go through the typical 'I hate you' stages that all siblings go through at some point. Really, though, our family gatherings are some of the most cherished times I have.
For us, our goal has always tentatively been to have 4 children. We'll see how we feel about things after baby number 3 is here. Go with your gut on this and do whatever you feel is best for you and your family.
Also please don't forget that just because you didn't have everything growing up does not mean that you have to provide everything for your children. In other words, don't get so caught up in providing your children with the things you never had that you forget to provide them with the things you DID have (presumably love, a strong work ethic to earn what you wanted, the ability to use your own creativity to play when you didn't have money for the fancy toys, etc.). A small example of this for our family is that when we were growing up, we were all expected to go to college (or some other trade school to further our education). We also KNEW all along that WE would be responsible for paying for our education. Because we KNEW we would be responsible for that cost, I feel like it made us better people. So far, of the 7 of us, the first 5 of us have completed our bachelor's degrees (2 of us our masters with 2 more starting their masters degrees in the fall). The 6th child just graduated hs with a full year of college already completed through dual credit courses, and the 7th child will be in 7th grade this year. Each one of us found our ways (respectively) through working, earning good grades for scholarships, working hard in sports to get sports scholarships, etc. It taught us all some wonderful things about being productive members of society. Don't forget to create these opportunities for your children, as well.
Good luck with your decision! :)