Hi N,
JMO, I feel that CS is for the children and the ability to have the same lifestyle they would have had. I also think that it is important to do what you can and then let things happen from there. You don't have to hold things up forever, just for a bit more.
What would your body tell you is the right decision for you and the kids? Are you anxious, tense, relaxed, energized etc. Think about your choices and go from there.