hun, I couldn't read and not offer some support.
I lost a baby at 11wks and 6 days with out any knowledge of the loss whatsoever. I had a scan at 12 weeks and they measured bubs heart to have stopped beating only the day before. I never even knew.
Make sure you ask for another scan without them rushing you off to have a D&C too.
I have also had subchronic haematomas with all my pregnancies. As far as I know they aren't a marker for mc.
Could you have O'ed later? than you thought?