Genetics Testing

I don't have much longer to decide on whether I want the genetics testing done for my baby. What made you decide yes or no on it? I mean, for one, isn't it pretty expensive? I'm 14 weeks pregnant. Baby's heart rate has been between 175-163 in the normal and measuring spot on. I'm 30 years old. I get there can be things wrong with baby that doesn't show in ultrasounds, but for me and my husband, if it has downs, we'd still keep the baby. So am I missing something that would be worth it for me to get this test done? Thank you!