Amy - if you don't mind sharing, where in the state are you? Honestly, if your OB is such a natural birth proponent, it might be worth discussing standards of care with him, see what a "normal" birth with him looks like in terms of interventions (since your idea of natural and his might be vastly different). If you're comfortable with what he has to say, and that he will be available, maybe that's the way to go. I would also check out the hospital and talk to the nurses, though. And maybe to a few doulas in your area who have worked at that hospital (and hopefully with that doc). See if what everyone says jibes.
I know the money is a bit of an issue for us, as MWs are so expensive here (minimum is $4500, up to $6000). But my health insurance (COBRA) expires in June, and my high deductible resets Jan 1. So I'm paying out of pocket for all the testing, which will be done before the end of the year, and then the deductible resets to $0, and I have to start all over again. Ultimately, it would be cheaper to cancel my insurance coverage and just pay that to my MW, but my DH is not behind canceling the insurance. So we'll spend our savings on the MW and keep paying COBRA, just in case. But we risk it expiring within days of the birth, if I go late. So we're kinda screwed money-wise regardless.
And I'm going to need a doula this time, and possibly have to hire someone to come corral DS - his labor was 5 days, I can't ask friends to take him for 5 days... even if they were willing, it'd be very traumatic for him. This whole thing is going to be expensive. Luckily, after our hospital experience with #1, DH is totally behind HB, but the bank account is another matter entirely. I'm planning on asking the grandparents for a cleaning service for the month of May and through the summer so that's not another expense we have to take on.