Sorry, I hope I wasn't dismissive of your post.
No I don't think it's wrong to say 'what will be will be '.
And bad things will and do happen to good people.
Babies are good things... They aren't a burden (except at 2am when they aren't sleeping).
You keep mentioning the loss of your mum. You're obviously a loving person. Babies make that love grow x1million. You'll love everything to do with it, you'll see.