The risk of amnio is actually very low. The 1:200 (0.5%) risk number for amnio is coming from studies conducted in the 1970's. This was when they didn't even use ultrasound to guide the needle. A more recent study in 2006 showed a risk closer to 1:1600 (0.06%). Risk rates will vary from facility to facility and among doctors, so check out the doctor if you decide to do an amnio. The doctor who performed mine had done thousands over several years and also had a very low rate of complication and he had never had a loss.
http://www.boston.com/news/health/articles/2008/04/07/amn...
Even though the risk is really small, there is some risk and if you are one of the unlucky .06% it's a huge horrible thing. So think about what you are comfortable with. With these numbers, I think it all comes down to what your decision would be if you found out from amnio that your baby did have Downs. If you would terminate, then have the amnio. If you would not, then don't have the amnio.
Having said all that, with your age and the fact that the baby otherwise looks good, I would bet that chances are good that your baby is healthy. Of course, Downs can and does occur with pregnancies of any maternal age, but the chances are lower when you are so young. So the rate of risk goes up as you get older but still more than half of babies born with Downs are born to mother's under 35. This could be because mothers over 35 are being tested and choosing to terminate, or it could be that women over 35 aren't having as many babies, etc.. Again, for me, it all came down to what my decision would be if I found out from amnio that my baby did have a serious problem. I was 35 when I had my second and I skipped the AFP test entirely and did the amnio since the risk rate from the amnio (1:1600) was WAY less than the risk rate for my age group of having a baby with a serious genetic defect (1:147).
Best wishes for you and good luck with your decision.