It's compleletely up to you if you don't want a midwife. Having a supportive midwife can be a fab relationship.
As you get bigger - you may feel more vulnerable and need checks for peace of mind.
The midwife doesn't see you that often. They aren't into lecturing - have you had a bad experince? Is this your first pregnancy?- if you don't like your original midwife, please contact the midwifery manager who can arnge for you to have another midwife who you get on with.
The reason midwives see you are to montor the health of you and your baby. I would think that your hospital dr's would be extreemly concerned if you weren't being checked over. If you don't see a midwife you are at risk of the following conditions being undetected - gestational diabetes, small fetal growth, increased fetal growth, low liquor, polydramnious (too much amniotic fluid), preeclampsia, breech, urine infections, abnormalities in fetal heart beat - the are loads more.
Also the midwife can sort lots of things out for you, give info and tips re common ailments in pregnancy and generally be an advocate for you.
Ultimately the health of you and your baby is your responsibility.