I work until the end also. It's a personal choice, but I feel guilty using any mat leave on ME rather than my baby. It's all mind over matter. Would I like to not work and sit home doing nothing but relaxing for a few weeks? Sure, who wouldn't right??? But i think my baby is more deserving of that time, so I just get on with it.
You need to look at your own situation and what you can handle and then make your own decision, though.