Hi,
Like the ladies above, I am post-40 lady (43 when conceived/44 when LO arrived) and had always said I would have an amnio -- but after my 12wk bloods/Nuchal flood test, my risk at 44 (age at delivery) raised from 1/40 to 1/162 and we decided not to do an amnio as the rate of mc was/can be high -- after my 20wk scan, my risk went to 1/300 and Finn was born absolutely healthy (altho I had PE)....
I would say that I would keep an open mind -- do the bloods/nuchal fold test FIRST and then, decide, based on those results whether to do an amnio, e.g. if you get a 1/5 possibility, then do the amnio; it gets a bit harder when it's like ours was, e.g. 1/162 and the risk of mc from amnio can be 1/200. I did agonise in the last weeks of the pregnancy about whether I had done the right thing by not doing the amnio, but I had had NO indications that anything necessitated an amnio, e.g. blood work, a worry on a scan, and think it was just worry about everything pregnancy and baby related, if that makes sense.
hope that helps? best wishes!