Could luck making such a hard decision - but remember it is your choice and you have to feel comfortable with it - it isn't other people's decision and they aren't paying your bills or living your life.
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Definitely a personal decision, dont let anybody try and guilt you into staying home longer than you want to! Some people have such a negative view of daycare it really makes me sad. I worked as a teacher in a daycare centre that accepted children from 5 months to 4 years old. The other teachers there were some of the most amazing, caring passionate people I have ever met, they really loved every child in our centre and the quality of care was fantastic. We had a year long waiting list!
In saying that, I would definitely shop around before making a decision, not every centre is like that and having a good relationship with the person caring for your child is super important.