I understand your concerns and they are valid. Having children is an act of faith as well as an investment in the future.
If you think about it, life itself is a gamble. Mature individuals do everything they can to keep the odds in their favor. They work hard, live healthy lives, buy insurance, start an education fund for their children, etc. There are no guarantees — but people keep having children anyway.
Because you feel stuck in making this decision, it would be helpful to discuss your concerns with a licensed mental health professional who can help you put your fears to rest.
If you haven’t ASKED Mack to pick you up when he leaves work so you’re not stuck in the blazing heat — with your child, yet — you should. That he wouldn’t think of it himself shows not only a lack of consideration for your feelings but also for your little girl’s welfare.
Because his behavior has changed since you started living with him, consider this change to be a red flag. If things don’t improve, start looking for other living arrangements for you and your daughter because it appears you and Mack do better when you’re not cohabiting.