Some churches in their member make up are more friendly than others,
And no one knows how much you give, put a dollar in if you feel you have to give, nothing if you can't afford it, it does not matter, it is all in your head and you are letting your fear of what could happen, stop you from going to church.
Next your son don't have a choice, he can't make you baptise him, some religions don't believe in it, other do ( actually the majority of christians do baptise their infants, and most of the others dedicate)
And what does problems with ex's have to do with baptism, I am going to be very BLUNT, but you are just making excuses, it is too cold, it is too hot, they don't have a paved parking lot so my car will get dusty.
You go to church to fellowship with other christians, you send your son to sunday school so he learns the bible stories and can have friends who are christian. You go because God wants us to fellowship with others.
So you feel inferior because like too many Americans you don't take God and Religion seriously, it is a ok pass time when you don't have anything else to do, but you don't have any commitment.
In China or Russia before the fall of communisim, There were more Christians baptised than in the US, and it could mean death or prison if you were caught, but they risk losing their life, losing their families to worshop God.
There is a story about a young Muslim girl who was converted and when she came to church to be baptised she carried a suit case, the preacher asked her if that was a change of clothese for after the baptism, she said no, that as soon as she was baptised, her father would put out a death notice on her and she would have no place to live , no where to go and nothing but what was in her bag.
That is what real Christianity is all about.