Sorry for your loss Blue, it's an awful thing to go through :(
My post may be a bit graphic so anyone who doesn't want to read it please skip ahead
I've had a mc at six weeks and a mmc at 15 weeks (baby was 13/14 weeks). The mc at six weeks was natural. I began spotting and went to hospital, opted to wait and see while waiting for scan appointment. It gradually got heavier and turned red and dark red, it was like a heavy period. About 2-3 days later I started to pass clots, some of them mid-sized, the majority were like period-type clots. On the fourth day I had some very sudden cramps, they lasted around 15-20 minutes and I passed a large clot with bits of greyish-blue in it, as soon as the clot passed the cramps stopped and within a few hours the bleeding slowed right down - it didn't stop but it was noticeably lighter. A scan confirmed that nearly everything was gone, there was just a small piece left and I was given the choice of what to do next. I opted to go home again so was given a follow-up appointment for two weeks later and some antibiotics to take as a preventative measure against infection. The piece of whatever it was passed a day later and the bleeding stopped entirely after another few days.
Miscarriage is no picnic but it honestly wasn't as horrific as I was expecting. One of the doctors was really pushing me to have an ERPC and it was the nurse who took me to one side and told me that a six week baby is very small and that it would be no worse than a heavy period, every method of treating miscarriage carries risks but the more intervention used the more the risk increases. She was right about the bleeding, it couldn't be confused with a period because it was more clots than a period (sorry, TMI) but it wasn't agony and it wasn't like some sort of blood bath - nighttime style sanitary towels handled it.
I had a list of warning signs and told if I had any of them I was to go straight to hospital - heavy bleeding soaking more than a pad an hour, severe pain, dizziness/fainting, fever or chills.
You need to do what you're comfortable with. If the ERPC is stressing you then there's no harm in waiting for nature to take it's course, you might still need an ERPC ultimately but it'll be a last resort rather than a first. When I had my mmc I had to have medical management, basically pills to end the pregnancy, I was in hospital as a day patient until everything passed and potentially could have been kept overnight or had to have surgery depending on the outcome, I had to sign a consent form and have risks explained and it was all so medicalised. I hate hospitals and I'm terrified of procedures, needles, and all of that, mainly I'm scared of not being in control. The night before the appointment I was virtually in hysterics because I was petrified. My natural mc took longer but it was a lot more peaceful because I was at home, in my own surroundings, and it was private. I also had more complications from the medical management, which is a whole other issue.
I really am sorry for your loss but please do what's right for you an consider your options carefully. Be kind to yourself xx