I would see it like this.
You have to balance the risk of a home birth with the risk of a hospital birth somehow.
It sounds like regardless of what you plan, you are at 'high risk' of having the baby at home anyway regardless, as you've had previous baby(ies) that didn't get the memo about hospital transfer times.
Unless you have any other complications, which carry additional risks, I think your plan sounds the best in your individual circumstances, simply because it minimises risk as much as you can, if your baby does decide to show up quicker than the best land plans for a hospital birth might allow. If and when you transfer in, if needed, isn't a fixed point either. If you do have any additional risks, short of going into hospital early, you could still get 'caught short' too.
I think ultimately your best option is about flexibility, given your history. You are not committed to a home birth, if you plan one. No one is going to turn you away on the day. Better you plan for medical assistance in a controlled environment, whether than be home or hospital as best you can and go from there as that will ultimately make your safer regardless. Its when it becomes a emergency with no plan in place that things are more likely to go wrong.