Hello!
When I read your post I thought: yeap, that was me a few months ago! Terrified of childbirth, did not trust the NHS, no family around so wasn't sure how I would cope... All of this was made worse by the fact that I have a mild disability which could put me at a higher risk of complications (and because it is fairly rare, no one seemed to know much about what could happen).
And I am not joking re: fear of childbirth. It got so bad that I started having panic attacks, and was referred to a psychiatrist as an urgent case. Counselling was a great help, although I suppose the fear never goes completely (which is completely normal, btw). I have a stressful job in the city when I am not on mat leave, so in general I am hardly a shrinking violet.
The NHS was pretty good actually, but I did have an independent midwife who came to see me monthly at a time which suited me (evenings or weekend), chased the NHS when needed, came with me to consultant appts, asked all the right questions on my behalf, and fought my corner every time it was needed. I would highly recommend an NHS birth aided by an IM actually - for me it was a right balance of having the NHS safety net in case of complications due to my disability, but I had someone who knew the system inside out to support me when I needed it.
At the end of the day, you have to do what feels right for you - for every woman that tells you that her c-sec was great you will find another who is evangelical about vaginal birth. Equally, some people will be enthusiastic re: their hospital while others will hate it and explain to you how bad/dirty it all was.
Just make sure you explore all of the options carefully and weigh pros and cons (from homebirth to elective c-section at the Portland and every shade in between), so that you can make an informed choice, whatever that is.
Good luck and enjoy the pregnancy!
PS: As it happened, childbirth for me was a piece of cake: I had no pain relief because I did not need it, and dd was out in two pushes, no tears or anything. I was discharged 12 hrs later and we walked home from the hospital as I felt fine. Down there is as before (I am 31, so not exactly mega-young or anything) if not actually better due to all pelvic exercises I did in pregnancy .