I wanted a home birth first time round, but ended up begging to be taken to hospital and given as many drugs as possible. Resultant DS1 is pretty sunny most of the time, conveniently forgetting about the mental tantrums he likes to throw at least once a day (he is 2.5).
Tried again for DS2, and it was a much quicker birth (5 hours) so I did indeed have him at home. I tried again largely as I hated having to stay in hospital after the birth of DS1, it felt so odd for my husband not to be able to stay with us, and I was worried about being away from DS1. Also I was convinced that DS1 was a pretty screamy baby because he was delivered by ventouse.
It felt lovely being at home. But my theory about the ventouse turned out to be bollocks.
I understand what you say about the fear of things going wrong. I felt nervous, but had excellent midwives who were very reassuring in a totally unpressured way. They said that if at any time I felt like I wasn't in the right place being at home they would get me straight to hospital. Also I only live about 10 mins walk from the hospital. And those factors mitigated the risk for me.
Irony is that me and DS2 have now had two 4 day stays in hospital in the 4 months since he was born, 1st time for a random virus at 4 weeks, 2nd time a few weeks ago for pneumonia and bronchialitis.
So homebirthed children are definitely not healthier! As for personality, he's pretty sunny so far but I think that's more because he has a very demanding brother and he's so bloody grateful for any attention that he beams whenever anyone looks at him!
Good luck whatever you decide.