Jane - I'm so sorry for your loss. I had the same thing happen to me this time last year. We decided to tell everyone on Christmas Day only to find ou a week later it was all a lie.
I think you have to decided what works best for your situation d&c wise. If you dont have bubs still inside, then your body is working things out by itself. My little baby was still in there suspended in a lifeless state. I'll never forget the image in my head
A year on with a baby asleep on my chest, last year seems like a bad dream. Hopefully a year will bring good things for you too.
Big hugs, and again I'm sorry