Im also 28 with a baby on the way. I love my music and have a full infinity surround system at home with 2 10" subs.

That said, my commute is short, the X is the "family" car, and my wife's tolerance for loud and/or country music is pretty limited, and was before the baby too. I havent regretted staying with the std system. It works fine for my Ipod and talk radio at the volumes I normally listen. You don't need a great system to listen to MP3's and AM radio. I agree too that once the baby is born, the radio will be off. Save the money and buy a nicer/easier to use car seat and stroller for the baby.

Don't wake the baby for anything.