It's a really tough one to weigh up. It can sound appealing versus hospital birth. And the midwives will be able to tell you your risks. I'm guessing they consider your risk to be low, hence talking to you about it.
But low risk is not no risk. You have to understand that. You are not a statistic, you are an individual (as is your baby). If the risk of a bad outcome is, for example, 0.5%, make sure that you understand what that means -that small number doesn't mean a small problem. It's a small number of people with a bad outcome, which in some cases is catatrophic or life changing. Ask yourself if you can accept being that 1 in 200 with that outcome.
I had 2 hospital births, 2 SVDs...and I seriously thought about home birth for my third, but decided against in the end. At the point of delivery, I delivered her head and everything stopped...the cord was tightly wound round her neck 3x. There was a whole team of midwives working hard to free her, and she then required resuscitation. Within minutes she was freed, oxygenated and in my arms. Would I like to have been outside hospital for that? Would I have risked her life, her health for that? It was terrifying enough in hospital.
Labour isn't just a birth experience for us to indulge our choices of music, soft furnishings etc...it's one of the riskiest times in our children's lives.
I do get that stuff happens in hospital that contributes to risk too...women are not really set up well to labour peacefully, to work with their body and their own labour naturally, there's the risk of eipdurals, becoming immobile, then complications from that, the cascade of interventions...I believe all that is true and real. But you can plan for staying out of hospital for as long as possible (especially if you are only 13 miles from hospital) and just attend to deliver. Plan a comfortable quiet and dark space, practice natal hypnotherapy, use websites like spinningbabies.com to practice good positioning and natal yoga during labour, bounce on the ball, get a TENS machine...be prepared to go in once you start to get really grumpy and you know you need help. That would be my advice.