em I am so sorry you are going through this.
I am with Sarah no one can tell how long it could take. If your already having some spotting or bleeding then I would say your body is starting to try and it shouldn't be more then another week or two (even this to me sounds like a long time when your waiting) the thing is you can wait and still need a D&C when you start to bleed as not always does all the products come away.
Me I am all in favour of waiting but you need to decide yourself what is best for you.
A D&C generally takes all of 5mins to do the actual procedure. The GA will last much longer so you will be asleep for longer then the actual procedure. Usually 30mins to just over an hour. As a theatre nurse I haven't seen a D&C take more then about 10-15minutes at longest. When you wake up in recovery I haven't had to administer any pain relief other then panadol or ponstan. Physical recovery is usually fairly quick.
Take your time when deciding. Usually you will speak to your Dr or midwife at an early pregnancy unit to discuss your options.