Hello Shattered.
I've just read through your thread and felt compelled to post - I rarely do on pregnancy-related threads - I've never been pregnant so don't have the benefit of any experience). Therefore I really hope you don't mind me adding my thoughts.
It seems fairly clear that you don't want to terminate your baby Shattered. I know that you're being very pragmatic and thinking of the practical implications that a third child will have on your life - but you simply cannot ignore the emotional side.
There are a number of reasons you have given why you shouldn't have this baby - Spain next year, short of money, wanting more freedom when your 2 DS have grown up etc. There are ways around all of these issues though - you can delay Spain for another year, it sounds like you've finished the work on your house now so will have less to spend on that, your friends/DS can look after the new baby in 5-10 years time to give you and OH the opportunity to go on holiday together etc. None of these problems are permanent.
Have you given any thought to the positive effects that a new baby will have on your family? Think back to how happy you were when your two DS' were born and how they've complemented your life - you can have that all over again with this child. I'm betting that all the reasons that made you think you should terminate will seem like a dim and distant memory once DC has arrived.
Maybe make the decision tonight one way or the other, start to plan your life with that decision in mind (I'm talking making actual lists) and see how you feel tomorrow. If you still feel completely wretched, perhaps you've made the wrong decision. On the other hand, if you feel a bit like a weight has lifted, perhaps it's the right decision.
Take care of yourself and sorry again if I've spoken out of turn.