Downs Screening: personal feelings?

R
My doctor recommended downs screening at my appointment yesterday but hubby and I are having a hard time deciding if we want to do it.
I'm told it would be a blood test at 11 was and an ultrasound at 12 weeks - so no harm but also not covered by insurance or Medicare - then you are told you fall into one of two categories; high risk or low risk. 
Neither category is 100% and my Dr said he'd had 2 bubs in 'high risk' and both were born normal.
I don't think I could consider termination in either case which makes me feel like this would be pointless - yet my dr still recommends - anybody comfortable to share their personal view? (no judgement please)