I will be planning one as a (fairly likely) plan B.
It will take about 2 hours for a midwife to get to me.
It takes about 2 hours to get to a hospital through an area with no signal/4G (depending which one I'm sent to).
Ambulance, I'm guessing 6hours (probably quicker if baby is born not breathing or something or if heavy bleeding, but still min 30 minutes).
Staying closer to the hospital isnt a viable option.
My last labour was 20minutes.
I'm not stupid, I'm booking a homebirth, I will call a midwife when I'm in labour. But I don't expect anyone to get here in time. So you can be sure I'm educating my self on how to deal with complications alone. Technically, a prepared bba I guess.
Sometimes it is the safest option available, because it's better to plan for it than be unprepared.
Obviously, most complications will result in labour longer than 2 hours so I'll have a midwife to guide me then. But there's a lot of women who live more rurally (parts of Scotland etc), and it's still not wrong to decide it's safer for her individual circumstances.
I won't risk a planned section because you can't then call a midwife if you go into labour first. Obviously that changes if there are other risk factors involved.