I had a great HB, but I was so sure it was where I wanted to be, and had the support and encouragement of a team of midwives who have huge experience of homebirths.
I actually felt very sure in my own mind that home was a better place for us to be and therefore felt able to ignore comments such as thoses in the OP. However, DH and I did have a serious discussion about accepting we were taking on a certain level of responsibility and that we may have to live with that.
I do think it is interesting that I have friends who seriously regret going into hospital - tired more easily, felt v stressed, cascade of intervention etc but that side of things is rarely discussed. It really is about where you feel most comfortable.
(My HB kit consisted of paperwork, drugs ot go in fridge, some protective incontinence square things, list of things to get ready etc)