2 or 3 kids for us?

Right now im 90% happy with 2, 10% wanting a 3rd.. husband feels the same percentages lol. I’m pregnant with our 2nd. So of course we will wait awhile after baby’s here to decide, our feelings may change once 2nd is here, I’m just thinking ahead. Money has been tight last few months (ttc has been a journey for us so lots of dr bills). Our daughter is 3, we both love the age she’s at.. she’s getting more independent which honestly my husband and I both like. So thinking realistically, 2 sounds perfect. But part of me wonders if we are missing out and should have 3? What do you guys think lol parent