Congrats on your hubby's job offer!
To answer your question, I think that 20 a day is a little low also. Around here, baby sitters get between 10-20 an hour, and most of our day care drop in rates are 85 a week for 3 days on the low end. My sister used Mommy's Day Out which was based out of a church. They basically provide care for a few hours during the day, and you just pay the daily rate when you need them. As far as the nap situation, that is a tough one. I know that both of the daycare centers that DS went to had strict nap times. 11:30 or 12:00 until 2:00. So, basically, she would be going during the middle of nap time if you drop her off at 1:00 if the center follows the usual schedule. More than likely, when she first starts daycare, she will be so excited that she won't take a nap, and she will crash when she gets home if you do the day care option. Also, most daycares require that you drop her off by a certain time to attend. My son's school requires that he be there by 9:30 a.m. unless he has a doctor's note, so he can follow the daily routine. Personally, I would enroll my kid in daycare so that he could play with other kids if my budget allowed. I don't like strangers in my home, I am weird that way, though. So, a sitter may totally work for other people, but I just know that I would be comfortable with it.