I think much has to rest on your family situation and how you feel about the possibility of (even very unlikely) unforseen complications. I had DS when I was 38 and had every kind of test out there - but it was because DH has a number of first cousins with genetic disorders and we felt we had a high risk factor, NOT because of my age. I am planning to undergo the same battery of tests, for the same reason - but again, not because I'll be 44 when the babe arrives, but because there is a very real chance for us that I may be carrying a child with a genetic disorder, and that is something that we both feel strongly we need to know about, sooner rather than later.
If you DO undergo amnio, be prepared for it to hurt like hell when the needle goes in. I understand that it doesn't bother everyone, and the doc who did mine expressed real surprise when I started yelling during mine because, as he said, "but this doesn't hurt" (Yeah, buddy, like YOU'VE ever had one). So - it may not hurt at all. On the other hand, YMMD.
