Hey mustang, cool nick name by the way, just thought I'd share an Obs point of view - I'm 28, considered low risk as well and had just held my sister's hand (literally) through the birth of my niece, at a public hospital.

My sister was extremely lucky and had a great public hospital experience. So much so that DH said to me "Maybe we should just go public too!" even tho we have the cover. But I said I wanted the extra reassurance of an Obs in case something happened.

Sure enough we're now in a horrible situation where something might be wrong with our baby and our Obs has been amazing through the whole thing. Made sure I had the best sonographer, has been incredibly supportive and has just been a real blessing. Would we have gotten that going public? I don't know. But all I can say is that I am glad we didn't have to find out.

As Manta says - you need to make the decision that is best for you. I reckon a lot of it depends on the public hospitals around where you live - see if you can go for a visit, or talk to someone who has had a baby recently there. That's the best indication I think!