My heart is broken

Ch
Friday morning I woke up and I had a little blood (more brown then red) it was early and my OBGYN wasn't opening for another 2 hours so my husband and I went to the ER. Long story short and after an ultrasound and 6 hours later, we found out that our beautiful baby stopped developing around week 7 💔  
It's now Monday and nothing else has happened. We met with a doctor from my OBGYN office today and they were saying I should do the surgery since nothing's happening naturally but the doctor and midwife at the ER said surgery is the last choice. 
I'm lost, confused and sad. I don't know what to do-how do I decide? Any advice, prayers, words, anything may help right now.