Here's the thing: Midwives do NOT put you in a risky situation.
They monitor you throughout to make sure there is nothing risky leading up to your due date. If something risky did come up, you would discuss treatment options with plenty of time to make whatever decision is needed, including opting to have the midwife be with you at a hospital birth (in extreme situations - you would be surprised how many 'little complications' can easily be managed with a midwife).
DURING the birth, they are also (IMHO/YMMV) pretty darned conservative when it comes to the health of you and your baby.
They will monitor the baby (perhaps not continuously by default as a hospital might, but frequently enough to spot any problems) and will let you know if you are approaching a point where things need to happen or decisions need to be made.
And, if the baby is born in any distress they have oxygen and other remedies and are trained in neo-natal resuscitation.
So most problems are not problems. The smaller problems will be caught early and dealt with. Bigger problems that are caught early might mean you are risked out. And problems that occur during labor/delivery will be VERY swiftly dealt with, including a hospital transfer if needed.
I just don't think that it's very risky. There might be a very remote chance where only being in a hospital with an advanced NICU would help a certain situation, but I think your odds are very good at a birth center or at home if you are near a hospital.
I mean, honestly, people have accidentally given birth at home, in cars, in parking lots... You may not be able to control things even if you PLAN to be in the most high tech hospital available.
Good luck! :)