Any of you ever feel guilt about not working?

So here’s my situation - I’m a sahm, like many of the mamas in this group. My oldest is 9, youngest is 2.5. I’ve been a sahm since my youngest was born and was on medical leave from 23 weeks during my pregnancy due to being put on bedrest. When our baby was born premature, we didn’t want someone else caring for him and could easily live on just my husband’s income, so I haven’t worked in almost 3 years.

We are in the process of purchasing vacant land attached to our current property (we have a home with 15 acres in the country and we are buying 20 acres) mostly as hunting property for my husband. Financing it isn’t a problem - we can still afford the additional 20 acres. The issue is that it’s vacant land, so interest rates and requirements are a little different. We are essentially refinancing our house and including the additional land in the refinance, which lets us take advantage of a lower rate and opens the door for more potential lenders to shop around since we’re not just straight buying vacant land. It’s confusing, but kind of irrelevant so I’ll get back to the topic.

We have two options - one lender has a 15 year fixed term with a very low interest rate, and also lower closing costs. Second lender has a higher interest rate and higher estimated closing costs (mostly due to the prepaid interest), but they offer a 30 year fixed term. Both options are financially feasible. The 15 year is what we’d prefer due to the lower interest rate and the prospect of being mortgage free in half the time, but the monthly payment is obviously higher because of the shorter term. The monthly payment for the 15 year is about $500 more a month, but we’d pay roughly $200,000 less money to the bank in interest over the life of the loan. Unfortunately, the lender with the significantly lower rates can’t offer us a 30 year term due to the amount of acreage - they are a smaller bank and aren’t approved by the federal government to offer loans longer than 15 years on properties with more than 15 acres.

Essentially - I’m feeling a lot of guilt. Because if I was working, it would be a no brainer to go with the 15 year loan. I didn’t make a ton of money when I worked, but I made enough to offset the $500 difference in monthly payment. We have enough room in our budget to do it now, but my husband is concerned considering all the uncertainties with the economy right now. He’s worried about being obligated to make that larger payment every month as opposed to taking the lower payment option and just paying extra, that way if we run into something unexpected, we have the option of just paying the minimum.

Has anyone else ever felt guilt over something like this? Where you feel like not working prevents you from being able to do something that would benefit your family in the long run? I’m really struggling with it right now and grappling mentally over whether I should look into going back to work.