I am so sorry to hear about your loss. I experienced something similar back in August. I went in for my sonogram at 9 weeks, and they couldn't find a heartbeat and the sac only measured 6-7 weeks, I don't even recall seeing the baby. Not like I had on the sonograms with my first two children. I was devastated. We scheduled a D&C for the following week, but I had the option to cancel if I changed my mind and decided to do it naturally (which he said could take weeks) or if the baby miscarried during that time on its own. That week, I was in a lot of pain. My stomach was very bloated and sore and crampy. I looked very pregnant already, so every time I left the house, I just prayed no one would ask me about it or I'd start crying. I did spot a little a week a few days after the sonogram which I thought was an answer to prayer. Since I'd seen no signs of miscarriage, I was very worried that it was all a big mistake I was about to abort a perfectly healthy baby. I decided to go along with the D&C for a couple reasons. First, emotionally, it totally freaked me out knowing I had a dead baby inside me. Also, I figured if I had the D&C, I'd be able to try again to get pregnant sooner. The baby had been due on my 35th birthday, so I was already considered advanced maternal age. Also, I didn't want people asking me about my pregnancy since I looked so pregnant. Next, I was very worried about it happening while my husband was at work and I had my kids with me. With a D&C, I could have my kids safely at my parents house and I knew my husband would be there. Finally, the cramps and back ache were really bothering me. I just wanted to get back to normal.
As for the procedure itself. . . physically for me, it was perfectly harmless. Emotionally, I was a wreck. I would be fine talking with my husband, but every time a nurse or doctor would come in, I"d start crying and he had to talk for me. Honestly though, I think I'd have been like that with a natural miscarriage anyway. Physically, I have no memory really of any of it. I remember them wheeling me away squirting the anesthesia in my IV while I stared at my husband. Next thing I know, I'm in the recovery room and she's trying to get me to sit up and eat a couple soda crackers and drink something. I vaguely remember the ride home, but I think it was about noon. My husband made me a bed on the couch, and withing minutes, I was asleep. I slept all afternoon and woke about 3 or so in the afternoon absolutely starving. After I ate something, physically, I felt back to normal. I never bled and never had any cramping or anything. I felt great, physically. Now emotionally, it's something I still struggle with, but it gets a little easier each and every day.
The only downside to the D&C in my opinion was the medical bill. We had about $830 we had to pay out of pocket (20% + my $300 deductible), so those were horrible checks to have to write. However, with a natural miscarriage, I'm sure there are emergency room bills to that as well. It just hurt to pay that much money and have nothing to show for it.
Anyway, best of luck with whatever you decide!