I deliberately had my babies at home.
“. . . as long as you have a competent midwife.”
That’s just for the birth. And that’s if everything, ahem, comes out alright. But the amount of, well, bleeding that occurs in a complicated birth makes a head wound bleed look like a scrape. It is quickly life threatening.
In any case, access to a pediatrician and emergency equipment is the reason to deliver in the hospital (with a competent midwife if one prefers). Most moms and babies (after a non anesthetized delivery) could go back home (with housekeeping assistance) within hours.