Hi Madives13
I am with you on everything you say. There are so many issues, each of which is made more complicated by all the emotions sloshing about. I am in a similar situation to you, although my Dad is not wandering outside (yet). He can do virtually nothing for himself, though, and has a care package put in place by SS.
Unfortunately, he is not self-funding and I am constantly battling SS because they want to reduce his package (against the recommendations of his medical team, the advice of our Alzheimer's Society Dementia Adviser and his social worker, I might add!). Yes, it's about money, I am afraid. I am already paying for home help with cleaning and shopping, I can't afford his care package as well. They have a legal duty of care but they are trying to get round that and I have been advised to go to the Local Government Ombudsman if they refuse.
Well, just to say that Dad couldn't stay at home without my help but I work full time and I am burning out. So, the pressure is on me to make a decision; stay in his own home or care home? If SS put a full care package in place he can stay at home for a bit longer but if not, I am so poorly with various stress-related health problems that I am thinking I might have to make the referral for placement. He isn't 'bad enough' in the strictest sense, but I am having difficulty supporting him and SS are making it ten times as hard for me as it should be. I shouldn't be put in this position and neither should you (or any of us) but it is what it is.
No-one would criticize your decision to place your Mum in a care home. No-one will criticize if you decide to keep her at home. Only you know what you can take. It's not just about the effect on the person with dementia, it's about the effect on the person(s) caring for them as well. What happens if you become so sick you can't do anything for your Mum? What happens if she deteriorates further?
It's a terrible place for us to be in, but you just have to do your best. No-one else could ask for more. Unfortunately like me, the decision is probably yours and your siblings alone, which makes it much harder. Whatever you decide, put your Mum's interests first; and by that I mean, make sure she is safe from harm. For example, having her sitting with a bunch of other people is not going to harm her, her wandering out unsupervised might. Alarm systems are not foolproof either. In a nutshell, only you and your family can know what's the right thing to do to keep her safe. Take advice from the professionals too but ultimately it's your decision. And we are with you all the way, whatever you decide
Jaynex