I don't know if others stories are helpful for you, but my good friend's DD has a nuchal fold reading that was off the charts ad some terrible odds of complications etc. She also didn't want to consider a termination and so turned down the amnio. She told herself that if she couldn't handle the anxiety of not knowing "what if" then she would consider an amnio at 34 weeks so at least if there were complications the baby would most likely be fine if it had to be born. In the end she was happy to wait and see and sure enough her DD is now a bright, healthy 2 year old. She does have a chunky neck though, but that is just her build!