I find pregnancy terrifying. I wince at people who announce they are having a baby. They are not having a baby. They are pregnant. They may never have a baby.
When people assume they are going to have a baby, make major life decisions or purchases based on the baby they are are going to have, I feel frustrated and panicky, and follow that up with not a small amount of self-loathing. I get unreasonable amounts of rage at people booking 'fun' scans or calling a medical procedure to check for abnormalities a 'gender' scan. I have to do deep breathing when people pay lip service to the things that might happen, whilst all the while certain that that will not happen to them, like they are somehow immune.
I do not share this with them. I am sharing it with you, OP so you understand I do know how you feel.
But, OP, I lost two babies. Including my very first. One earlier and one later in pregnancy. I have had four pregnancies in total so half of my children made it and half did not. The two that did experienced high risk pregnancies, at risk of labouring early. Not a day went by without constant knicker checking, alert for movement, at constant risk of premature rupture of membranes and rapid labour.
When I got to 37 weeks with both of my children the relief that they could no longer be born too early to survive, that I was now a normal, low risk patient free to go into labour whenever I liked. The relief.
So I gave birth to my two lost babies in the hospital, the same place that I was born prematurely, my brother was born prematurely, and my stillborn aunt was born. And I gave birth to my two low risk wonderful children in the bedroom at home with the full support of the medical profession, with never less than three midwives attending me.
You say care needs to be individualised, so too do choices.
I will not go around saying that I judge people for their choice of places of birth. Nor should you. Nor should anyone.