I don't have an opinion if you are being unreasonable or not. I do think your query is valid - but it's not the time of the hospital midwives, but the community midwives who do also do the post-birth visits, checking to see if mothers are coping and mother and baby are well, or need more help.
I personally don't want to have to take up the resources of an ambulance "maternataxi" to get hospital when it's just the beginning of labour if I can avoid it.
I would be inclined to say make the decision based on you and your family's personal needs and feelings, while weighing up the likely availability of a community midwife or two. (Ask them about that, as they will know if they have a lot of due dates the same time period as you; if so they might all be busy with other women when you go into labour so hiring all the water birth stuff might be a waste if you're short of money.) I think it's definitely worth considering how your partner genuinely feels about birthing at home, as although you're the one giving birth, he has a vested interest in the events too and how he copes will affect your reactions too. Also if you're likely to have hard to handle relatives popping in soon post delivery, then consider how your choice might help or hinder your coping with that.
"But by being at home you are (statistically) less likely to need medical intervention, and you will not need to be on a ward for 2-3 days receiving care."
The trouble with these statistics is that they are effectively screened for the likelihood of needing medical intervention. A woman who is advised to give birth in hospital, or as some put it "not allowed to give birth at home", is more likely to need medical intervention than someone for whom there is no reason not to have a home birth. I've yet to see clearly separated statistics on medical interventions for hospital births for the subset of hospital births which prior to labour were "no reason not to have a home birth", preferably broken up into birth at the more homely midwife led units and combined units where the docs are around (to see if that makes a difference).
Some people are more relaxed at home, or get tense in hospitals, and that could negatively affect their labours and therefore increase the need for intervention. Some, like me, prefer the reassurance of having the support of hospital facilities around "just in case" (plus with a nurse for a mother and some summer jobs in hospitals, I'm pretty comfortable in the medical environment). In hindsight, though I had a natural delivery last time, my son did need help and I was glad of the choice I had made. I don't really have much of a choice this time, as this pregnancy has enough complications that I would be ill-advised to birth at home, though I know that I could insist if I wanted to.