Such a tough one! FWIW, in the south of England we're given horror stories about why we shouldn't homebirth (or rather, our husbands are!) and you can wait up to 20 hours before they send a midwife out, the advice is "we have no midwives available, just go to hospital."

So I'd be going independent if I wanted a midwife there. Because I don't trust the NHS one jot... but you're in a different situation.

Maye go NHS but when they fail you then you can have a freebirth. Am I at all colouring what you should do with what I would do now?