Well, since my goal is to be a stay-at-home mom, I'm not sure I'm a good person to answer this question.
I work part-time and have since my son was 4 months old. I stayed home with my older kids full time.
One of the things I've found is that my schedule would be changed to add one day here and one day there until I was working full-time. I recently made it clear that I only want to work part-time. I'm pretty laid back and never said much before but I'm putting my foot down now. The time in Vietnam when I missed my 5 year old so much was the defining moment for me.
I think if you don't need to work, I wouldn't do it. But that is just me. I don't think it would be hard to get back into the swing of things if I took time off and then came back to work.
One of the good things about rural nursing is that I do a bit of everything - med/surg, ER, OB, OR, etc. So my skill-base is more flexible.
If I could stay home, I'd do it in a New York Minute. But since my dh is a private contractor, we need the medical insurance my job affords.
Good luck to you in what ever decision you make . . . .