Adriana,
I understand where you are coming from. I was hospitalized on bed rest from 23 weeks to 30 weeks with my first when they could not stop the labor any longer. We spent 6.5 weeks in the NICU and the next 3 years after that with different issues. He is not 5 and very healthy.
With my second, who is almost 2, came at 37 weeks with a planned c-section. I did have a cerclage, was on bed rest from 16 weeks to the 37th week.
It is worth it as long as you have a doctor you trust and who has a plan of action if things take a turn for the worse. My doctor with my second was great and really listened and took seriously what I had to say.