I would accept the help for just a little bit longer and use the time to go and see someone to get the anxiety issues sorted out. Then I think the decision will be a bit less complicated.
Also, maybe try to think about how you will feel in the longer term. In 2 years, your DD1 will be at school full time, so your thinking will be different. Do you want to take more time with your DD1 now before she's at school or is it just a bit too stressful?