i too have PHI but chose to go public and had senstation birth and after care!! i was in for 4 days and could fault anything, like others have said if your happy public go public!!
i too have a friend that scoffs at me having gone public, used a doula AND declinded the Hep B!
she went private and ended up with a horrific infection and was readmitted, costs her heaps with excess x2, and her obs went on hols the day she was due (and was born on his due date)