I would go for a HB every time. If you are considered 'low-risk' there is probably no greater risk of anything going wrong at home - things go wrong in hospital too (and no MRSA at home!) The level of care is great - two midwifes for the birth, one with you constantly once in active labour.
How long would it take you to get to hospital? If you did have to go in, your MW would stay with you for the duration.
Also, you can prepare for a HB and change your mind at any time, right up to the last minute. You can't do it the other way round!
MWs do all the clearing up. I've had 3 HBs, 1 Hospital. I've only ever had to wash a few towels.
And its much, much nicer to shower in your own bathroom than in a rank hospital one.
I believe that the stress-free environment of being in your own home is far more relaxing for both labour and breast-feeding if you choose to.
I could go on all day ....
Good luck whatever you decide. You won't regret a HB if that's what you go for.