I am planning to wait until the last minute to decide. ...I figure I will leave it up to my last minute intuition to make the decision for me.
If you wait until the last minute to make a decision, and find that you are still struggling with the merits of home versus hospital between contractions, you may not be in the best frame of mind for decision-making. Labor is immensely distracting; once I reached active labor, I lost all sense of time, and was so inwardly-focused that I couldn't have carried on a conversation or made a decision to save my life. If birthing at home feels safe and comfortable to you, then commit to staying home...if a hospital helps you to feel secure and cared-for, then plan to find a doctor NOW and go to the hospital. (Don't, I repeat don't just plan to walk in during labor - you'll be assigned a doctor at random who has no interest in adhering to your birth plan, and you'll be much more likely to have interventions done that you don't want.)
Labor will unfold more easily for you if you are confident and relaxed, rather than anxious and stressed. Make your decision now, commit yourself to it, and move forward without second-guessing yourself. You can trust your instincts NOW, you don't have to wait for labor to begin.