I have had 2 amnio tests.
Once was when I was about your age.
Then 4 years later, with my second child, I had one as well.
This was my choice, to have it done.
For me, I had it done, because I wanted to know of any genetic problems for my kids. With any amnio testing, you also have genetic counseling and information about it is given to you and you can ask questions then about it.
If I had to have it done again, I would.
For me, it was not about continuing the pregnancy or not, if there was a problem, but about knowing fully, about my pregnancy and any genetic issues for my kids.
My Doctor, recommended it. But it was my choice. My insurance covered it, and due to my age at the time of my pregnancies.
The procedure itself, is fine. It may hurt, like a menstrual cramping, but it is a fast procedure. I went with my Hubby, and my imagination about it made me more nervous about it, than the actual process itself. After the procedure, I just rested and the Doctor will tell you what to do/what not to do, after.
Miscarriage with an amnio, is low. I don't feel it is more risky than other types of testing... which can be done earlier in one's pregnancy.
For me, it was necessary in a sense, because again, I wanted to know of any genetic issues/problems anyway. For me, knowing & having full knowledge of that was important, so that I did not have to "wonder" about it throughout my pregnancy. So for me, this was a "conclusion" in the status of my babies, and knowing once and for all, that they did or did not have any genetic issues/problems.
Both my kids were born fine and healthy. The amnio was not a nightmare, nor a big painful thing. My Doctor was also so good at conducting the procedure and I trusted him fully. There is even a monitor screen that we could "watch" to procedure.. but I was too chicken to watch. But my Hubby did and thought it was interesting.
It is ultimately up to you... and talk about it with Hubby. For me, although it was me who ultimately decided to do it (it is my body), we both talked about it.. .and I researched it fully. And I went ahead with it.
Again, my experience with it was positive and not as bad as I "imagined" it would be. I would do it again, if I got pregnant again. And well, I am older now as well.
All the best,
Susan