In all honesty I wouldn't if it could at all be avoided, no. It's not about being a "bad mother" and obviously plenty of families do this particularly in the US, we are all trying to do what is best within the limitations of our circumstances, most of us make compromises on our ideals as parents.
However babies normally have a primary caregiver and the close familiar relationship is important to their development, to how they feel safe and learn about relationships and attachments. I think that is really important to prioritise, as do many psychologists.
If you do have to return at 3 months I would prioritise finding one warm consistent carer, rather than an environment where lots of people are sharing baby's care. If it is a nursery, one where baby will have lots of attention and cuddles from their keyworker, and their key worker will be there when baby is (a friend said her baby was in nursery for longer hours then their keyworjer, and was only happy when keyworker was there, and would cry for all the hours they weren't there for several months). I think a good Nanny or Childminder would be preferable.
However I have to say that I find it a bit worrying that you are both high earners and yet can't afford any more time off. Do you have savings? Spare money at the end of the month? What happens if you have to start mat leave early due to pregnancy complications, or aren't ready to return to work at 3 months, or need to take leave for child sickness or Nanny quitting or one of you loses your job? It all sounds a bit tight tbh, obviously lots of lower income families don't have the option to save, but as high earners bit worrying if you can't. How huge is your mortgage? Other expenses? In your shoes I would downsize, move to a cheaper area, reduce my expenses somehow, because I think the pressure to both be earning with a little baby and no leeway is v stressful, and I'd rather have a worse house and less financial pressure.
Babies derive their security from familiar people not houses. Obviously ending up actually homeless would be terrible for baby, but as high earners I'm assuming that isn't the alternative, and there is an option of more affordable housing, which in your shoes I would take.