I'd say it comes down to what choices you have- can you afford to take a break? We all know how quick they grow and how precious those early months are, you never get that time back.
You can get cover for mindees who want to come back to you (parents ca find alternative CMers for a maternity leave period). You may lose some but how hard is it to fill spaces? (depends on your local market).
Or you let everyone go and concentrate on new baba, by taking a proper break you can then slowly build up the mindees again when you and your family are ready, rather than having a date looming when everyone will be back.
But, we don't all have the luxury of taking a break. I know CMers who were back working after 6 weeks. If you need the income then that's what you do and they manage.