Your doctors are trying to ensure that you and your baby don't die. That's the long and short of it. If you go into labour, you both could. Sorry to be blunt but that's how it is. No one makes money from a CS or any birth on the NHS.
Placenta praevia is nothing to mess about with. You have this then you need a CS.
I had a huge haemorrhage after my first (instrumental) birth and thank god I was in theatre when it happened with experts to help me. I'd have died otherwise. It was utterly terrifying for me and DH. Thankfully no risk to DD as she was born but I'd have done anything to keep her safe.
I had a planned, elective CS for my second birth (because of how wrong the first one went!) and to be honest it was a lovely and calm experience. I still had a haemorrhage after that one too, but much smaller and again I was in expert hands who fixed me up so I was fine. Thank you NHS. I can understand that you're frightened of surgery but truly it is nothing to be scared of.
No one is trying to force you into anything. You are being advised, correctly, that this is the safest, the only safe way, to deliver your baby. In the nicest possible way, take a deep breath, give your head a good old wobble and book the date. Spend the time between now and then learning some relaxation techniques to help you remain calm when the day comes.
When you're holding your baby in your arms all of this will seem like a big fuss over nothing.