Thanks all - some mixed responses, though I really appreciated the reassuring and positive ones ❤️ I am in the UK too, and I do of course know that many people take 9 months to a year - but also most in my circle who do this have better packages in place than standard SMP or aren't the main breadwinners, so I was looking to hear from those who've not had that luxury to reassure me it's not the end of the world.
It's a good point to note that around the world time off does vary - @Swissmummy15 this really helps!! And also my mum and I are far closer than any other mother / daughter I know, and she was back to work at 12 weeks too, just because it was the done thing then and she had to. So I had hoped it was more a luxury than a necessity, and much as I'd like more time off, it's just not going to work out like that.
I will likely be able to condense my working hours to four days, with only one (or max two) days per week in the office, and the other two or hopefully three working from home. So I'd be home 5 or 6 days out of 7. I obviously wouldn't be able to work and look after baby at the same time - but I could at least be around / nearby!!
DH works shifts and weekends, so will also be off for quite a bit of the time during the days midweek when I'd be working - though not in a regular pattern. He is obviously going to cover as much as he can financially through mat leave (it's not a DH problem!) but all of his wages plus SMP won't cover our outgoings, as I earn more than he does.
I'm working up until 39 weeks, and then using a week's holiday to get me to 40 weeks - so my mat leave will start from my due date. (I know baby might be up to two weeks after that!) If I can stretch things out to taking any longer, even to 16 weeks, I of course will... DH does get paid overtime, and is going to try as best he can, but we obviously can't plan this quite yet. I hadn't thought at all of asking for short payment breaks, which might be a good place to start - thanks @ruinedalready.
We hopefully won't need to use paid childcare, with some flexibility / goodwill from my work, plus DH's shifts, along with my mum having just retired and being keen to look after the baby where she can. I did enquire with a local nursery who happily take babies from 3 months, which we might use for a morning or two, but wouldn't need anywhere near full time childcare - which I appreciate is extortion and offsets returning to work in a lot of cases!!