What are your experiences & thoughts on this topic?

This is a tough subject & I didn’t know anything about it until I came across some pregnancy website. It’s talks about late implantations resulting in a higher risk of MC or a chemical pregnancy. It’s known that implantation occurs between 6-12dpo & then around 2 days after for hcg to raise to a detectable level. Reading this, I did more searching & found that there have been scientific studies done on implantation in pregnancies & that implantations after 10-12dpo suggests a higher chance of an MC, chemical pregnancy, unhealthy pregnancy. 12dpo being that 80% of them fail (wtf?) They state that a lot of woman who say they implanted late & got their BFP late went on to have a healthy pregnancy, more than likely got their ovulation date wrong. For us women TTC it’s not something that we want hear.. I sure as heck didn’t 😢 But I’d like to hope that you can implant late & still have a healthy pregnancy & baby. What are your thoughts & experiences on this topic? Is this true?