Going back to work at 3 months really sucks, there's no getting around that. But people manage and your child will be okay in the long run.

I'm going to go against the grain here and say that yes, looking at things factually and statistically, if you keep putting it off you may soon be "out of time". Is there a specific cutoff for everyone? No of course not. But every year over 30 the risks increase dramatically. This isn't comforting but it is reality. 32 is okay but if you keep putting it off for years at a time things will only get harder. And then your anxiety will only get worse and you may just spiral downwards and never have kids. Babies are by no means a decision to "rush" in to but you do need to make a decision.

I won't comment on your fear of covid and desire to get your baby vaccinated ASAP because of the subreddit rules.....