Hi clairbear so sorry for your loss. I found out my baby had died at 11wks 1day, the dr's didn't think I would be able to m/c naturally. I wanted a d&C that day but unfortunately they could not fit me in. It was a friday, and I was told to come back monday for a d&C. Initially I was ok with this as I had no pain or heavy bleeding. Of course that all started the friday night. Sunday night/monday morning, I was in horrendous pain and ended up naturally m/c at home, i would not recommend this to anyone. The terrible pain but also having to look at my baby in the toilet will be with me forever. I went to the hospital in the early hours of the morning, and ended up having to have a d&C monday afternoon. I was so physically drained from blood loss and no sleep since friday, that actually after the d&C I felt so much better. My initial reasons for wanting the d&C was the sooner it happened the sooner I could get my body back in order to attempt to conceive again. Of course the decision is a personal one, but I don't think there is a right or wrong answer.
Good luck, my thoughts are with you.