I am so nervous, I need honest birthing advice.

Today I am 39 weeks pregnant expecting a baby girl on the 26th of February. I learned something about my mom (she passed away several years ago, unfortunately 😔) when I was about 35 ish weeks. She did not dilate with any of her pregnancies except for her first baby, 3-4 cm, but didn't dilate any more. She have to have c sections with all of her babies. As the weeks went about for me, I've realized that my cervix is not dilating at all. And my last appointment which was a couple days ago it still was not dilated. Not even effaced. My doctor says if I'm 40 weeks I could dilate, but if I do not, I will be induced at 41 weeks. I'm honestly so scared. I'm afraid of complications. With her weight being estimated already at 7lbs 12oz, and me being 4"10 with barely any torso I'm afraid it's just going to be a very long labor but then lead to complications. I've asked my doctor about cesarean. I can chose that if I want to, but I am not medically needed to at this point, and they're trying to cut down on cesareans. I'm nervous though. I've got a feeling that I should just go for a c section but it's like I'm way too nervous for the procedure and everything. This is my first baby. My next appointment is in a few days and I am currently 39 weeks. I don't know what to do or think if I am still not dilated or effaced. Am I too crazy and over thinking?? Or are c sections really not that bad??.... I just want to do what's best for her. I don't have extreme anxiety about getting her out of me asap. I just want her to be healthy and safe. That's my only and main concern. Thank you in advance for any advice/experience! 💘