It
is a real decision to have a third child, and you are very sensible in thinking the pros/cons through.
I have just had my third (3rd boy) and for me, I've always wanted three, an odd number I know, but it seemingly is the '3 is the new 2' at the moment (two of my other friends are having their third child too this year) - although I constantly had the 'oh, are you trying for a girl' - which to be perfectly honest wanting a particular sex did not play into my baby making plans at all lol! I was just happy I got pregnant for the third time.
Reading your pros/cons I literally could have written those myself, they were all the questions I asked myself, but I valued my husband's viewpoint, and we of course came to the mutual decision to have our third. And yes, I would have always regretted it had I not gone for our third child. I'm not getting any younger was another factor, so it was now or never!
In response to your cons - although they are 'temporary' cons as I put it

:
Money, babies cost money
yes they do! But if we really thought about not having money we would never have kids, is how I've always viewed it!
Holidays, probably wouldn't be able to afford holidays abroad which I love
Our last holiday was 3 years ago before DS2 came along, and I love my holidays, but my decision to have another overtook that need for a decent holiday. I just figure that in another 2-3 years and we can hopefully do holiday's - it just means saving up for a decent holiday (abroad) but it could be doable, I can never plan things ahead, I just hope that we can do it in the near future.
Not having enough time to spend quality time with them all
My nine year old is in school during the day, so I try and (forgive me here as I'm only five weeks in with DS3) having to occupy toddler who has just turned 2 is a little testing a times, it is just getting out (whilst the weather is great) going to mum and toddler groups, (which I never took to before) and he goes to preschool once a week now (he used to go to nursery until I finished work) but it's all a learning curve, but I'm new to this mother of three thing, and others might be more experienced in how they cope. I wanted two close in age this time, and I'm (touch wood) hoping they will have a lovely bond.
Not having any me time
I have had I think about 1 or 2 nights out in 3 years! I value more just being home with hubby and having our time together, but I don't feel personally I'm missing out.
Putting career on hold, is working with 3 kids part time realistic?
I'm obviously on maternity leave at the moment, but prior to finishing work I asked my employers for a career break, so I won't be going back to work until end of 2016 - I of course won't be earning in the career break, but realistically I would just be working to pay childcare which didn't sit well with me, and since I always went back to work when DS1 and DS2 were seven months, I wanted to take this opportunity as I knew DS3 would be my last child to enjoy the time with them for a longer period, and I know those 2 and a bit years will go by in a flash. DS2 will be in school and DS3 will be in nursery when I go back on part-time (school) hours.
Not having any help as we don't have family local is it too much to ask someone it babysit 3 kids as opposed to 2
I only have my mother who lives near me, and she helps me, but she is 72 this year so I don't like to impose on her too often, but I have friends who are more than happy to babysit, although I have never asked! Hence the social aspect down the toilet thus far lol!
Patience, sometimes I feel my patience is tested to the limit with the 2 of them
You might surprise yourself, kids will always test your patience, I think mine went out the window a long time ago, but you do adjust and you do have to count to three or five and then wash, rinse, repeat!
Another c section and recovery
My DS1 and DS3 were both C-sections (DS2 was a Forceps Assisted VBAC) and my recovery for both C-sections have been (thankfully) all ok.
I
hope that answers some of your doubts. Believe me even throughout pregnancy I had my days thinking what it would be like once he was here, and would everything be ok, have I pushed my luck etc, etc. but I ultimately made that decision to have our third child, and he is here with us as a family, all of us finding our groove within our unit of five. My eldest absolutely dotes on him, and my DS2 (is at the moment heavy handed with him still) but he's always wondering where he is, or if he cries he's always concerned, bless him. I can't believe he's 5 weeks already, and I cannot wait to see what his personality will be like and who he'll take after!
At the end of the day it is your decision to make, and no one apart from you (and of course your partner) can decide what's best for you all
[I went with my heart in the end]
