How did you decide what kind of care (center based daycare, in-home daycare, nanny) to choose?!

I found out we are eligible for a military based subsidy, since my husband works for the army as a civilian. With the subsidy, our cost for center based care will be about $150/wk (vs. $300/wk normally). So now a center is our cheapest option, but I am still worried about germs, etc.

There is only one center nearby (Child Time) that has availability... I liked it fine... it seemed safe and had a 3:1 ratio, but I didn't like it as much as another one that I toured that doesn't have availability. If we go with Child Time, we might put her on a wait list elsewhere and move her... The room she would be in at CT had 2 sides, one side with older babies, the other with younger. Each side has 6 kids and 2 teachers. So she'd be exposed to noise and germs from 12 kids and 4 teachers, but there would be 4 adults in the room. They do not have one nap time, they try to go by the parents' schedules... I don't know if that's good or bad... would she be able to sleep if other kids were awake?!

We could enroll her part-time or full-time... I am going back 3 days a week. There is not a huge difference in price ($20-30/wk), so we would consider signing her up for full time so that I could have her go on my days off if I needed to run errands, go to appointments, etc.

Our other options would be a nanny about 30 hrs/wk (more expensive) or an in home daycare.

I visited one in-home daycare that I liked... the house wasn't particularly nice (though it was clean), but the woman was very warm and seemed like she'd be nurturing towards J. She would have a max of 4 kids at once, but some days it would be just J. and an 18-month old baby. I like the idea of that place because it would be quieter and there'd probably be less germs, but I do worry about supervision if the woman needed to go to the bathroom, etc. There is just less oversight in a home like that as compared to a center... but on the other hand, I think she'd be more likely to develop a bond with the one caregiver vs. the center where there might be some turnover...

Any suggestions? What would you do? How did you make the decision?!