Two homebirths here. Wouldn't change a thing. I don't know anyone personally who regretted their homebirth, but I do have a friend who had a bad midwife experience and ended up in the hospital. She felt bummed about not birthing at home and ending up with a section, but it was a case where it was necessary. At that point I reassured her that the end result of a healthy baby was the most important thing.
I think it helps to examine your specific fears - are you afraid of pain? Loss? Both?
I have to add is that some people seem to have an idea that a birth at home is going to be this romantic blissed out thing - which it can be, for sure, but that doesn't mean pain-free. I also think our culture tends to be fairly wimpy about pain, taking meds for every little thing that bothers us. Birth is painful. It's a trial by fire!
But in between those excruciating contractions is a really nice endorphin high, if you can ride out that wave of pain.
I don't mean to scare people but I don't feel shy about saying that it is going to hurt like everything and worse, and that you might crap yourself in front of the people present, and so forth.
I guess maybe it helps to be a little bit of a masochist and not afraid of some pain and mess
I think of it in a warrior type mindframe - bring it on, I'm ready! I feel like I'm training for a "big match"! I know it's going to suck and hurt, but what doesn't kill me makes me stronger. I think you've got to be a little tough, and if you aren't so much to begin with, you will be afterwards 
As for the worries about complications/loss those things you can read up on and discuss with your midwife. What are complications that could happen? What would you do in the case of...? Etc.
The provider is so important, and it is nice to have a "good rapport" with them but ultimately you want to know from others who have birthed with them how it went. My midwife isn't incredibly personable but I knew of many people who were very happy with their birth outcomes and her skills. Another midwife in town who most people say is very charismatic turned out to not be such a great midwife and has even had some legal issues. So I think it helps to ask around and get references!
I think it helps to examine your specific fears - are you afraid of pain? Loss? Both?
I have to add is that some people seem to have an idea that a birth at home is going to be this romantic blissed out thing - which it can be, for sure, but that doesn't mean pain-free. I also think our culture tends to be fairly wimpy about pain, taking meds for every little thing that bothers us. Birth is painful. It's a trial by fire!
But in between those excruciating contractions is a really nice endorphin high, if you can ride out that wave of pain.
I don't mean to scare people but I don't feel shy about saying that it is going to hurt like everything and worse, and that you might crap yourself in front of the people present, and so forth.
I guess maybe it helps to be a little bit of a masochist and not afraid of some pain and mess
I think of it in a warrior type mindframe - bring it on, I'm ready! I feel like I'm training for a "big match"! I know it's going to suck and hurt, but what doesn't kill me makes me stronger. I think you've got to be a little tough, and if you aren't so much to begin with, you will be afterwards 
As for the worries about complications/loss those things you can read up on and discuss with your midwife. What are complications that could happen? What would you do in the case of...? Etc.
The provider is so important, and it is nice to have a "good rapport" with them but ultimately you want to know from others who have birthed with them how it went. My midwife isn't incredibly personable but I knew of many people who were very happy with their birth outcomes and her skills. Another midwife in town who most people say is very charismatic turned out to not be such a great midwife and has even had some legal issues. So I think it helps to ask around and get references!


does that answer your question?


I would never choose to go to the hospital.
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