My first thought would be what are the two places like with their bringing sick kids policies? Some day care places I have heard are happy to accept colds etc and others are very strict. I would imagine the family day care lady would be quite strict as she would want to protect the other kids so you may find yourself in the position of your DD picking up germs in the bigger day care and then not being able to go to the family day care, whereas if you were solely in the bigger day care they may be a bit more understanding, especially if she's catching it there in the first place.