32 weeks might feel a little late but I think it's quite normal for midwives to leave it quite late as they can't actually put you 'on call' until you're 38 wks, if you went into labour before then you would need to go to hospital. My midwife came round to go through all the paperwork at 33 wks, she then arranged for a box of medical equipment and the oxygen and gas & air to be delivered on the day before I would be 38 wks, once it was delivered a midwife came out to check everything was there and that the gases worked.
I would be pushing them to let you know when they plan on booking you for the HB though just so you know where you stand.
Regards your NCT lady not being overly enthusiastic about your planned homebirth I think unfortunately it is very common for people to not like the idea but they usually don't know enough about HB and just 'don't like the sound of it'. No one challenged me on my decision to
have a HB although afterwards quite a few people told
me that they had been worried about my choice, I'm glad
that they all respected my decision enough to let me get
on with it though rather than trying to put me off.
I will be brutally honest with you though and say that your NCT lady might be thinking about you being a first timer. This is by no means meant to put you off in any way but approx. 50% of first timers are transferred to hospital and also it is very, very difficult to know how you will cope
with the pain if you haven't been through it before and
your options for pain relief are slightly less at home. On
the flipside though you can look at it that even if you do
get transferred at least you will have been able to spend
a large part of your labour in your home and if you end
up needing an epidural transferring to hospital may take
the same time as it would take an anaethnatist to get to
you if you were already there.
I didn't really get cold feet either but my husband wasn't as keen as me so needed a bit of time to come round to the idea. I also needed to be certain in my mind that if something were to go wrong that I wouldn't spend the rest of my days blaming myself. We dealt with this by reading as much about HB as we could including stories of cases where there had been an unhappy outcome. I also spoke to my midwife about her experiences and also 'worst case scenario'. I got her to talk me through what would happen if the baby wasn't breathing or if I haemorraged and was assured that the midwives have the same equipment available to them at home as they would in hospital. I had also had a pretty poor experience at the ERI with DD1 so felt that any tiny risk of something going wrong was outweighed by the benefits of not going through another hospital birth. To be honest I'm also quite a laid back person with a 'things will work out' attitude which probably helped (I'm not necessarily saying this is a good thing for everything though, bit laid back for my own good sometimes!).
The most important thing is that you feel comfortable with your choices, there's no point in having a HB if you feel anxious the whole time that something might go wrong. Also be prepared that you may have to be transferred to hospital or that you may even go into labour and then decide that you don't want to be at home but if that does happen don't be beating yourself up that you didn't 'manage' your homebirth. You really don't know how you will react to labour until you're in it, I was convinced that I would want DH to massage my back during labour but actually couldn't bare to be touched and sent him to sit in the corner, a friend who has to be half dead to take an asprin ended up taking every pain relief option available to her, another who wanted a pool got straight back out again as soon as she stepped in it...expect the unexpected is what I'm trying to say!