I bought a capsule for all the reasons the OP's have said and never looked back! Then when DS was 8 months we bought the S&S Meridian so we could keep him rear facing for a bit longer.
We actually sold our capsule on ebay (originally paid just under $300 and sold it for $250) because we decided next time around it would be worth buying the one that fits our pram. So, I'd keep that in mind. Even though it is an extra expense, you can sell it when you're done and recoup most of the expense.
Friends of ours decided to go for the car seat. But once bubs was 2 weeks old they saw the value in having a capsule so bought one then. If you get the car seat now, you can always see how you go and if it is a PITA you can get a capsule then and put the seat away for a few months.
i really, really wish we had brought a capsule. Poor DD everytime we had to get in and out of the car we woke her up from trying to take her out or put her in. I will be investing in one next time.
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