I had an ob for my first as we wanted to private and I had the phi so we made the most of it. For us it was money well spent dd was born by emergency c sect 6 weeks early, breech with dislocated hips and hip dysplasia so we had acess to a great pead and after care when she was home. With dd2 she almost came at 35 weeks but with the support of my ob we got to 37 and I had a vbac. He was also able to find me help with spd when my physio wouldn't treat me at 22 weeks.
So we are with him again for no 3 given that I have pre term laboursr I wouldn't to go through the public system.
My thoughts are that it's hard to know when you may run into problems first time was a dream run until my waters broke at 34 weeks, if you have doubts use an ob.