I'm not OG but I feel completely the same way. I guess I trust my midwife and I know she would never do anything to cause harm to myself or my baby. If she is unable to prevent injury happening to us then I don't feel anyone could have IYKWIM so I don't feel any need to sue.

I just chatted to my H about your question and he said he doesn't care about that side of things because he trusts me so he therefore trusts HB and our midwife as I've chosen our care for this birth. He does concede that not being able to sue for negligence is a choice we have made by not going to hospital but he doesn't think it's a big enough factor. In the case of gross negligence he thinks he possibly would 'sue' or follow up a negligence complaint not for the sake of money, but rather to avoid the same incident occuring to someone else (ie. to try and get the midwife deregistered if necessary).