Thanks to your comments, I've come up with this version.
I'm still not 100% about the shape of the sentiment (feel free to add input as I learn so much from everyone's comments) but I do like this version.
I actually finished the card last week and my husband sent the gift today. No big rush... the baby was born 8-30.
I ended up getting rid of the scallop but I lightened up the carriage, brightened it up by adding more DP and while this is by far my favorite card of all time... I'm ok with it ;)
I really like the scallop with the carriage. I have tried this layout 2 different ways but I really don't like either. Is it that the large panel is too overpowering? I just don't know what is wrong so I'm asking the experts (or people who think they are experts!)