Hi hunni, I am so sorry for your loss and for it to be taking so long for the m/c to end. A D & C will clean you out properly. Sometimes it is just better to have a D & C done so you can move on if it is taking longer than what it should. If the DR decides that it is the way to go, then I would probably listen to him, but it is your decision in the long run and yours alone. Just something to think about tho, I had a m/c, although a bit further on than yourself (16wks) I had started to spot by night time I had haemorraged and needed a blood transfusion before a D & C could be done. This also happened to my SIL at 12wks. She started spotting and ended up haemorraging after she was admitted to hospital, so for her luckily she was in a ward when that happened. I am not saying that this will happen to you, but just saying how quickly it can change to being something more serious.
When I had my second m/c at 12wks with twins, I didnt wait, not long after they had told me that I was indeed m/cing for it to happen again and did the D & C straight away.
Thankfully with my last two m/c's at 5wks it all came out without needing a D & C.

Hugs to you. And Good Luck for whatever you decide to do.