We are stopping at two for financial reasons mostly. Pretty much completely to do with lifestyle. I like to travel, 4 people get the middle row on a plane, 4 people can book a hotel room with two double beds, 4 people can squeeze into the smaller rental car and so on. Those advantages outweigh the advantages of having a 3rd child in my opinion.
We could afford to privately educate both the boys if we had to but three would be a stretch, and university fees are certainly completely sorted for 2 but not 3. The time may come where I decide again to use a private school, I like having that option, a 3rd child would make that decision much harder.
I do like that according to MN I get to feel horribly smug though, I mean I could use private school but don't, so this of course makes me completely righteous. The fact that we used our money to buy into an excellent area with great schools isn't apparently relevant because the important thing is that they are at state schools and not private.
I shall tell my friends who live in crappy areas that the most important thing is sending their kids to state, after all I do it so it must be correct, no? Or do you think they will tell me to fuck off from my position of privilege and still do whatever they can for their kids much the same as I do for mine?
You don't need any reason to not have children simply I don't want to is enough, there is no justification needed, nothing at all. No one is harmed if someone decides not have to children, plenty of people are hurt when people are created for selfish and short sighted reasons though.