Hi Kelly!
I registered for this site SOLEY because of your thread! I was actually searching for information on health insurance as it pertains to living off the grid, and ended up here (don't ask how, lol). Anyway .... my wife and I had our son, using a midwife and the midwife's student, in our home. Our 'home' was a single-wide mobile home in the middle of the country, at least 20 minutes from a hospital, and close to 30 minutes from a decent hospital. I remember holding the video camera while my wife squatted over a large mirror so she could see the action. My wife's a nurse, so she had some idea of possible complications and other things surrounding the birth. Today our son is a thriving, very happy, intelligent 'home schooled' eight year old.
If you ask my wife about the experience she will tell you that it was much less painful than she expected. It's amazing what the 'medical community' has been able to convince people (well, generations now) to believe over the years. Homebirth used to be the ONLY place to have a baby.
Go for it, Kelly, it is highly unlikely there will be any complications (assuming you are healthy and no prior history to suggest a difficult birth, of course), and I put it bluntly when I say there if there WERE complications serious enough to go to the hospital than going to the hospital in the first place wasn't going to change that. Go for it!