Advice on being a SAHM

Hi there! I'm 9 weeks postpartum and my maternity leave ends in just 3 short weeks. I can't believe how much time has flown! My plan has always been to return to work. In my adult life, I always thought I wanted to be a SAHM, then I switched careers in my late twenties to something I really enjoy and thought I would probably return to work after having a baby. Now that my baby is here I cannot imagine leaving her. All I want to do is stay home with her. My current plan is to return to work for at least 12 weeks to a) see how I'm feeling about working vs. staying home and b) I have to return for the 12 weeks or I'll need to pay back my mat leave which isn't something I'd like to do.

My question is, for those of you that left careers you love to stay home, are you happy with your decision? Do you enjoy staying home? Do you wish you would have returned to work? Being a mom and staying home is hard work and I'm sure the days can get mundane at times, but in my head, work will always be there for me but my baby will only be this little once.

Other factors I've considered:

-Income. I don't make a huge salary now. When you factor in childcare costs I'd basically be bringing home about 1K per month. Its definitely helpful to my family, but wouldn't be the biggest loss if I were to leave my job.

-Difficulty returning to the workforce one day. I know this is a real issue, especially in corporate America. I'm in a creative, female dominated field now and don't feel as much pressure in that regard. I also think that once I returned to work, I may start my own business in my field, so I'm not as worried about the difficulty in getting back into the workforce as say someone in corporate banking for example.

I appreciate any insight and advice on this! TIA!