Hi mummy2be,
I'm due 11 days after you and I am an MRI tech too! Hopefully I can answer a few of your questions and clear up a few of the things I have read here.
The short version of my post is that I would be happy to have my brain scanned if my neurologist felt it needed to be investigated before delivery.
I can't really comment on your scan specifically because I don't know what it is for and how your condition might be affected by or have on your pregnancy if you don't have it done. It is always a risk vs benefit analysis with any medical test or procedure. If you wait, will you be sicker or have a late diagnosis of something that needs immediate attention or will your illness adversely effect your baby? If so, then don't wait.
Firstly, there is no radiation of the birth defect causing kind in an MRI. So you won't be offered a vest or need one and it would not be possible anyway as they contain lead and basically no metal objects can be taken into the room with the machine.
There are no known effects on a foetus from having an MRI, and as a previous poster said, it is common to have an MRI on the baby to check for anatomical defects and there have been no adverse events there either.
It is not recommended to have a scan in the first trimester unless absolutely nessecary, because of the cell division that is going on and the unknown risks there. Most places would be unlikely to do that unless it was life threatening to you not to have the scan. But as you are in 3rd tri, baby is just beefing up really so not too much to worry about there.
The waiver is really just to cover the practice's arses, so if you have a problem afterwards you can't blame it on the MRI. To be perfectly honest, if you did have a problem, although I can't imagine what that would be, I think any competent lawyer would say its not worth the paper it's written on.
If you wait and have the scan after your bundle arrives and they plan on giving you the dye then, you will probably be asked to express if you are breast feeding as some of the dye can be excreted in breast milk, although in a very tiny weeny amount (that is about 100 times smaller than the amount they would be happy to actually give your baby is he/she needed a scan).
Is there a women's/childrens hospital you can go to? They will be most familiar with scanning pregnant women and probably be the best at explaining things and putting you at ease.
Hope that helps.