I'm so excited to hear about your home birth plans Infinity! You sound like you've absolutely made the right choice! I'm sorry you feel you need to keep it a secret from those around you. It's going to be an awesome experience!!!

Stoked I'm so sorry you're feeling that way. I think a good chat to your midwife will help. I'll offer my thoughts too...

1. I had a PPH and nearly had to be transferred
Well, that could happen again and if so you can still transfer again. No biggie.

2. I had retained placenta, still bleeding after 3 months so had a D&C and retained products were confirmed. (baby was 12 days over, placenta was unhealthy looking and got stuck on the way out so midwife was not 100% it all came away but as i had no other signs of retained products it was assumed all was well)
Okay, so maybe in hospital they would have sent you off for the D&C straight after labour "in case". I think I prefer the sound of doing it later "as needed" as you did so it sounds like a good outcome to me.

3. My baby broke his collarbone at birth. This was only picked up at the 6 week check as he had FULL use of his arm and the only inkling that something was amiss was that during the first 3 weeks he was quite unsettled and would not feed as well on the left side (right clavicle fracture). It was only picked up as i noticed he sometimes appeared 'crooked' so the MCHN checked him out and found a lump on his collarbone (where the bone had re-formed).
This absolutely could have happened in a hospital too. If your baby was moving well why would a broken bone be suspected. This is why we keep checking them afterwards- same for hospital or home birth. If you wanted to be pro-active to ease your mind next time you could visit a chiro for an after-birth checkup and your baby looked over. Great for getting them into alignment even without a break.

4. I declined the Vit K for my bub (I am ashamed of this decision as i now feel i did not do enough research into this and my babe had problems with bruising at 3.5months, I feel terribly guilty and the Dr gave me a lecture on why it is ALWAYS given to bubs born in the 'normal', ie- hospital, system. So now i feel even more guilty). I had to put my baby through the most AWFUL experience of having a blood test all because i didn't do my research and i feel dreadful. I had to have 4 courses of antibiotics within 3 months of the birth and feel that this may have contributed to 'killing off' the Vit K in his system, although the pediatrician said his clotting factors were all fine so i don't know what to think. I was pretty much fobbed off my the pediatrician and did not even get a follow up appointment, his receptionist just called me with the results!
I think declining the vit k as "routine" is a perfectly acceptable option and one many people choose in hospital too. It is not "always" given. You should feel proud that again, on an "as needed" basis you followed up medical care and everything was fine. You are an observant, caring and informed mother- give yourself a pat on the back!!