When you say "everyone," who are you talking about? Grandparents who are anxious to meet the baby? Friends who have no idea what you're in for? Your ob, who stands to make more money in less time off a repeat c/s? Stand strong, woman. Continue to make the choices that are in your (& your baby's) best interest.
You sound like a mama who could use some relief (I know, that will come after the baby is out...)
How do you feel about a glass of wine? Or a cup of chamomile tea?
This evening after you've done the essentials for today (including digging up the info on herbs, if that's what you want to do)...tuck your toddler into bed, take the phone off the hook, run yourself a nice bath, light some candles, sip your beverage and enjoy one of your last evenings of being pregnant with this baby. Really. Soak in the water and let all that tension out. Don't dwell on your birth or on what life will be like after your new baby arrives, just sit in the tub in the here and now for a little while. You deserve to pamper yourself.
And if you're up for it, a little lovin' when you get out of the tub definately wouldn't hurt!
edited to add: Do you have a doula? I read where you said that money is tight for you right now...a lot of times doulas in training will attend their certifying births for a reduced fee or even for free. It may be worth the piece of mind to know that you've got an advocate on your side when your babe does decide to make an appearance!