Is it unwise to quit my job based on this financial position?

I’ve (31F) been unhappy in my job for a while and I’ve been thinking about quitting and taking a few months off. The kicker is that I’m 5 weeks pregnant with the baby due in February. I currently make 208k at a tech company. My husband (32M) makes 230k in tech and we live in a VHCOL, spending \~$11k/month. These are my options. I prefer option 3, but want a sanity check.

1. Ride out my job for the next 9 months, take mat leave, return for a month to keep the benefit, then quit. I’m stagnating at work so choosing this would be a purely financial decision, not necessarily what’s best for my career

2. Quit now and start looking for a new job. Hopefully I’ll be employed in 2-3 months but I’m not sure what interviewing at 4 months pregnant looks like / if its feasible

3. Quit now and work on a business idea I’ve been exploring. It’s very early (far too early to quit just for this), but something I’m excited about. Earliest I’d go back to work is May/June next year after giving birth in February

Financials

- $900k brokerage

- $900k brokerage

- $550k retirement

- $132k/yr spend. $6k rent in VHCOL and otherwise we spend on dining, travel for weddings

I’d really prefer option 3 but with a baby on the way, it feels reckless to be quitting ahead of a time of high expenses (2 bedroom apartment, baby purchases, daycare eventually). But on the flip side, it’s the only time off I’ll get without kids and I’d really like the extra time to work on my idea and grow my social media following, which I’ve been building for close to a year now, and has the potential for big upside as well. What would you do in my situation?