Violette, I've not read your birth story but it sounds a scary time for you.
As an ex Midwife Ive helped women deliver their babies in all kinds of environments...including a field (I kid you not...it was planned that way too lol).
However in any environment (including hospital) there is the risk of sudden and unexpected events. These events can be minimised by good antenatal care of both mother and baby which can predict the risks of this happening.
Babies die sometimes due to these sudden events but that takes place regardless of where the mother is.
Once a woman is in labour then good labour care and monitoring of the baby can keep an warn of impending issues and if at home will give ample time to transfer to hospital. I've never had any issues with this and transferred once or twice with women whose labours were showing signs of not being straightforward. In one case the woman delivered her baby safely a few hours later and in another the woman had a ventouse delivery.
A woman who decides on a home birth following a straightforward pregnancy is unlikely to have any issues in labour but if she does then can be transferred.
She will have less interference in labour beyond monitoring of her health and the baby's health. As a result she is more likely to have an uncomplicated birth. Look up labour and the cascade of intervention for more about this.
However women must be able to choose where they feel safer when giving birth. For some that will be the hospital with all the risks of intervention causing problems (it happens). Most will then go on to birth their babies safely.
Some women will choose the MLU knowing the hospital facilities are nearby if needed.
Some women will choose home (or a field 
) knowing that if transfer is needed they will end up transferring when in heavier labour which isn't a great experience.
Go where you feel safest ...the evidence says that in an uncomplicated pregnancy and labour then home is perfectly safe but many women will not want this.