It sounds like you are pretty money savy, but just make sure you have a plan if something catostrophic (God forbid!) happened. For example, our out of pocket max for health insurance is $4000/year. That is AFTER co-pays and monthly premiums. So make sure you have all things like that covered or accounted for before you take the plunge!
I wish I could stay home....so I hope you are able to do so