Fear versus planning when it comes to having a baby. Where is the line?

Don't you have another user name here? If you and your wife are still living in a verbal and sometimes physically abusive environment then no, you should not be planning on bringing children into that. Only until you and your wife are able move into another situation where potential children will not be or will not witness you and your wife receiving abuse by your parents .......I would say you don't have any business having kids unless they will not be living in that sort of environment.
Money wise is secondary to that. If you can not afford children, then maybe you shouldn't have them. God will provide for sure; but if just basic things a child needs is out of your reach, then why add that sort of stress to the child's life? I would say wait until you are in a better position or at least have a steady income where you can afford basic care and things a baby needs.

I was going to ask if you were going by another
user name as well.

I refreshed my memory by going over your previous
postings... your other posts reveal that your wife
is in her mid-thirties, she has health issues, doesn't
have health insurance coverage, you have health issues,
you struggle with an addiction to inappropriate content etc... granted there
are no perfect situations when one should have a baby...
but I would strong suggest working on the current issues
....getting your wife medical treatment ASAP for the problem that was posted in your other thread, work on your
inappropriate content issue and lack of employment ASAP.

Even if your wife gets pregnant "now"...there's nine months
to gather up needed supplies for a baby.... many I know go
to second hand stores for baby things..."our" daughter did
that lots, she has four children...the only new equipment
was car seats/strollers...my husband sanded, repaired/painted baby dressing tables, dressers and baby beds... for the grandchildren...the parents often recycled baby clothes, furniture with others within the family.
...we have 10 grandchildren...ages 4 to 14....I like how the
little dresses are now being worn by the youngest granddaughter as blouses....looks so cute with shorts, leggings, pantaloons or capris.

*I also have baby things I can contribute since "our"
grown children are done with "making babies"...you
are welcomed to those items...PM me when the "blessed
event" occurs and you have needed of baby things.

Are you able to get off disability?
If both of you really want a child, you both need to be praying. I dont like the sound of this, it does not sound like a 'good marriage' if you arguing about this and still livng at home with your folks and cant even discuss with your wife about it because of cultural differences.

Did you not have premarital counselling?

Aside from that sorry I cant help you. It is natural that a wife would want a child with her husband and to ask God to provide. Therefore you step up to the task. Unless you both married under false pretences and she doesnt understand this. The govt will only pay for a child if the husband abandons or deserts the mother. The fact that she says she would take the child to her own country speaks volumes.

You need to ask God to help you two get your act together. A child may come a long and you both better be prepared. You do, after all, have nine months. This precious child needs to have a secure home and be born somewhere it will be loved.