The perinatologist was awesome. He told me right off that an amnio was not worth the risk in my situation and that he respected my decision to decline it. He said my HCG was low and the neck measurement at 12 weeks was high and this is an indicator for downs. We were unable to find any other markers and the little guy was measuring right on (and they measured everything--head, stomach, arms, legs, and more!). We will go back for another scan at 20weeks so they can get a better view of the facial structures, heart, and kidneys .
I am relieved that the other scary things seem to be ruled out. I would be sad if my child had downs, but it is not a death sentence.