We're in the exact same position. Midwives didn't make the last homebirth and probably won't make it again because they are 3hrs away and DS came in 2 hours.

But i still paid the $5500 to have them this time. It's not just about the birth itself. It's the antenatal and postnatal care that i care about most. Yep it's expensive. But in my mind, worth it. Because i would rather have them miss it then to give birth in a hospital again or to have a complete free birth. It's not worth the risk for me.