Hi Carmon, Doesn't sound like your at great risk of your baby having downs, I'm 33 and I opted not to have the NT or anything else to detect downs, I didn't think I was at any great risk for it, at the 20 ultra sound they found that there was no downs.
They usually offer the NT before 14 weeks so that if the baby did have downs then they can terminate if you requested one.
I wouldn't terminate regardless, so that was another reason why I opted not to go for the test.
Good luck with what ever you decide, good on you for going with your instincts, you'll find that usually there right....