2 vs 3 kids

I have a son (3) and a daughter (18 mos) were ready for another baby! Of course nobody can tell us exactly what is right for our family, the decision is simply ours! Many friends we have that have 3 or more kids tend to “warn” us, some even go as far as to say they love ALL of their children but wish they had stopped at 2.... I’m a stay at home mama, and though we aren’t wealthy financially by any measure, we are able to thankfully make ends meet, we have factored this into our decision as I will be the one home most of the time with all of our babies 🐣🐣🐣 just curious on how others with 3+ kids feel? Is it as big of a jump as my friends are telling me? I felt the biggest leap was 0 to 1 child however, I’ve yet to have more than 2!