I am a stay at home mom and have stayed at home FT or PT for the past 10 years. It was an adjustment, but I'm glad we did it before we had kids and now I enjoy making things stretch.
I would agree with several of your choices. The others we haven't tried. The kids love Panera and Chilis. We all love Giovannis. And it is okay to be picky about food....especially if you are paying someone else to prepare it for you! :)