OK well don't frame it in terms of need, because that's silly, you can always find an argument for why something is needed or not.
If you could magic away the guilt and choose PT vs FT what appeals to you?
If you could magic away financial stress and spend every day with DC does that appeal to you? (It's totally fine to say no, that sounds awful).
Is it likely to cause more stress in terms of housework, cooking burdens etc?
Does it mean that they will miss out on clubs/activities you'd otherwise like them to do, or can that even be a part of the care?
Their ages make a difference too. It's one thing having a six month old in care all day and they are exhausted by the time they get home, you're missing the little subtle milestones, only really getting to spend quality time with them at weekends etc.
Whereas a 5 and 7 year old getting home at 4pm, you have to cajole them to do homework, eat dinner, not fight, they are slumped in front of TV so not really interacting with you anyway. You still get to read them a bedtime story and chat with them in the evening if they have been in childcare. Why would you not outsource the boring part of that unless you particularly feel suited/drawn to it?
I LOVE spending time with my 3.5yo, he's hilarious, but I start tearing my hair out if he has more than a couple of days off nursery (8-4.30) because the nursery provides him with so much more in terms of mental stimulation and physical exercise than I can (honestly) be bothered to do. He's better company for the absence and I have more mental energy for him.