You can always try www.spinningbabies.com
too to see if you can palpate and discern the baby's actual position. It could be hands you're feeling down low. Before I had my u/s last week, I'd feel hands low and feet high and thought there were two babies in there! But, just one. After seeing her position on the u/s, and matching that up with what I was feeling, now I can pretty much figure out her position by palpation.
My lo has been head down for a while now, but my dd#1 was breech at 34 weeks. At 37 we did an ECV (after I tried EVERYTHING natural). But, this pregnancy, I'm getting regular chiro adjustments which I think is a huge part of what is keeping her head down at this point.
But, for a day or so this past week she was head up. I think she turned after I was wearing my 2.75yo dd in the ergo and had to bend down a couple of times to pick things up off the floor. The strap was way down by my pubic bone, but I think it just squished her head. For a day and a half after that, I didn't feel any kicks up high (usually 7-8 times/day) and was feeling a bunch of bumps down low. But, the morning of the 2nd day after that, I could feel (with my hands) her head down by my pubic bone again and kicks up high. She has pretty much been there ever since.
You might take all baby's movement as a good sign that he/she has pleanty of fluid in there! When your fluid is low (somewhat concerning), baby doesn't have as much room to swim around. Like pp said, as you move into your 30's weeks (and baby's head-to-rump measurement is longer than the widthways space in your uterus) baby will usually settle into a comfortable vertex position and stay there most of the time.