I had the nuchal fold test with my first child at 37 and again with my twins when I was 39. At that point I was only going to have more invasive tests if the U/S had given a high risk result. It didn't and all 3 babies were perfectly normal but sadly my twins were stillborn.
I had a M/C when I was 39 (after the loss of the twins) at 10 weeks Blighted ovuum). Fell pregnant again (still 39) and this time I decided to have an amnio. As I had already made up my mind, my OB said there was no need to have the nuchal scan at 12 weeks, so I didn't. I delivered a healthy baby girl. 9 months later (40) I was pregnant again and again had an amnio. Another healthy baby girl. Fell pregnant again when I was 43. Was going to have an amnio again but unfortunately my baby had died the day before the test due to a cord accident. Autopsy results showed him to be a perfectly normal little boy. My last pregnancy I again had an amnio and deliverd a healthy little boy and girl. I was 45 when they were born.

I had no problems with the amnio. I didn't find the procedure painful and I had no after effects. I just took it easy for a couple of days. I decided to opt for the amnio instead of the CVS due to the lower M/C risk. It is true that at the later stage, if something is wrong and you choose to terminate, labout will be induced. I was prepared for this. I had already delivered my beautiful twin baby girls into the world when they were no longer living. I knew if I could cope with that, I could cope with anything. But it is a personal choice.
I chose to have the invasive tests because I would have terminated if there had been a problem.

I hope this helps you with your decision. I also wish you a healthy and happy pregnancy.

Best wishes
Debbie