I feel that there's no good answer to this. IFC means your kid is likely to fall sick often, and you'll need to find adhoc help, eg in laws or your parents, or take leave when that happens. I've seen my nephew keep falling sick at ifc, so it can be quite traumatising.
Mil take care means less occasions of falling sick, but you can't control what she does,and honestly,you'll need to close one eye if it doesn't hurt the baby.
Simply no good answer imo, not even if u hire a helper or nanny. It's just what you're willing to accept, coz there will be pros and cons either way.
aeiou