No one can make that decision for you, you have to make that one on your own. What I can tell you is that we will help you as much as possible if you do decide to get her. We can point you towards good quality feed, healthy treats, wood chews, cage accessories, etc.
A couple things to think about before you make up your mind. Chins are a long-term commitment. They can live upwards of 15 years, and some have lived into their 30s, though that's not all that common. Generally it's somewhere in the mid to upper teens. So if you decide to take her, you need to be committed to taking her for the rest of her life. Chins don't do well with constant change and shuffling from house to house. They need their own home with their own stuff.
You need air conditioning. If you don't have air conditioning, and your house goes above 70 degrees, you either need to get it or pass on the chin. There are people who will say that chins do fine at 75, 80, 85, because they force the chin to get used to it. But that's not how it should be. If I choose to have chins, then I have to accommodate THEIR needs, not the other way around. Even if you only have a window a/c in one room of the house that you can shut off for the chin, that's okay. Your whole house doesn't have to have it.
Vet bills can be expensive. It really doesn't cost a ton to keep one chin. The routine maintenance, if you will, is pretty inexpensive as pets go. Their pellets, dust, hay, etc. is not all that expensive. Wood chews and accessories can be, but it's not something you have to buy over and over and over again. Vet bills, on the other hand, can be a killer. One emergency trip to the vet can get to the high 100s real quick. Chins are considered exotics, and because of that, vets pretty much charge out the behind to treat them. So you need to be prepared with either a credit card or some money set aside as "just in case" money. You may never have to use it, there are plenty of people who sail through chin ownership with no problems ever, but you should always be prepared.
Behavior wise, chins are not cuddly, huggy, loved to be mauled type animals. Most chins are chinavision - loads of fun to watch and interact with, but on their terms. Too many people think they are getting a puppy or a cat that loves to cuddle, then are disappointed when they don't. If you know up front what their behavior is like, you won't be so disappointed if you don't get that. It's not that they aren't friendly or outgoing either. It's just that all that fur gets REALLy hot when you clutch and hold and it's uncomfortable for them. Plus, they are busy as heck, always moving. It may be that you'll end up with a chin that doesn't mind a quick cuddle, just don't count on it.
Lastly (off the top of my head) are the kids. You mention being a stay at home mom. Chins and young kids are not, as a rule, a good mix. Kids get rough without meaning to, a chin gets dropped, grabbed, or crushed. A member here had her child hold onto the chin instead of giving it to her when she asked, and crushed the chins ribcage. Older kids do much better with them, or kids who are VERY strictly supervised and taught about how careful they need to be. If they are tiny kids, I would not trust them with chins.
So, there's the crash course. Hopefully that will help you decide.
