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A question for anyone who has gone to Gatwick by Train

I'm going on holiday on Saturday and I'm about 10 minutes away from Croydon by train. I know I can get a train from Croydon to Gatwick that only takes 15 minutes so my question is:

A return cab would cost £110 whereas return train would cost £40. Do you think I should pay the extra money or go on train with 2 large bags and a 4 year old?

I've never got the train to Gatwick before so don't know how easy it is(far from aiprort etc.)

Thanks.
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