How much is a week worth

Our fiscal agent for work, who is also technically our employer, has a kind of crazy vacation policy. The start of this fiscal year we could accrue PTO without limit. This year they decided that at the start of each fiscal year they don't want anyone to have more than 80 hours, scaling us down in 32 hour increments each quarter. If you don't meet the new limit you don't accrue new PTO.

Yesterday I sat down with HR to ask about some of my maternity leave questions. We don't technically have maternity leave. We have a burn all of your vacation hours and then you can access an extended leave bank plan. Though I work for a non profit, so I'm not really complaining. After those two options you can also take 30 days of unpaid leave. When we talked HR lady brought up an alternative to what I had been planning- stop taking PTO now (and accruing in July) if that will give me more time.

I'm aiming for about 10 weeks off full time and then coming back 1-2 days a week at a time. The baby is due September 10th. The other thing about my boss that is great is she will let me flex time around appointments, so I don't have to take off the time for appointments.

Currently I have 110 hours. We accrue 18.7 hours each month. April's time hasn't been accrued yet. The extended leave plan will be at 190 hours by then.

Plan A- Take enough time off over April, May, June to get down to 80 hours. This is aprox 1 day a week until the end of June. The time off is wonderful, though sometimes a challenge to fit in. My boss is awesome though and sometimes lets us fudge things a bit. July-baby I will accrue 18.7 hours/month. (117.4 hours)

Plan B- Stop taking time off now. I will accrue the 18.7 hours for April-June and stop accruing (166 hours total)

Plan B gives an additional 48 hours or 1 week and 1 day of time post baby, for a total of 4.15 weeks of paid time before extended leave. Plan A gives 2.93 weeks post baby before extended leave. But plan 8 means taking 86 hours over the next 2.5 months.

I can't decide if the time now or the time later is better. Since I have the additional buffer of 30 days leave without pay it comes down to my pay for that additional time. Is 6-7 days of pay worth not taking time off between now and the baby?