my advice is to put near your home. So that you dont need to travel to and fro with the baby. its difficult to take public transport with an infant esp if no one wants to give up their seat or so squeezy until at door. Also on rainy days its difficult.
penalty of how much? Coz next time when your boy grows up you can put him in childcare near your workplace instead. that is when he/she is mobile and can travel in public transport easily.
or any1 can help you pick up baby home? Or take turns with hubby?