How funny! I was struggling with this about a month ago, too! My oldest daughter turned two in January and was taking two small naps, as well. I finally stopped putting her down for an early nap and keeping her busy all morning to keep her awake and on good behavior. (When she is bored she becomes very cranky.) Anyway, it has helped tremendously! We are able to go out in the mornings, enjoy play dates and lunches and then she usually is so tired about that she goes down at about 1p and takes a long nap in the afternoon.
However, i do start making dinner at 4 and making sure she is up by 430p so we can keep her on the 7-8p bedtime routine. Sometimes she does not sleep the entire time, but reads and plays with her toys in her room after she wakes up. I leave the door shut and she has her quiet time to unwind. (Don't we all need that?) Occasionally, we have gone out in the morning and she falls asleep in the car on the way home so we skip lunch for a nap instead, but then she has a snack when she wakes up. It doesn't happen too often, so it is no big deal.
I think the best thing you can do is start a routine and keep it no matter what you decide!! Good luck!