T.W.
This is such a hard thing to endure! I am so sorry you have to deal with it.
I miscarried after 4 1/2 months and here is how it went for me once the bleeding began. I spotted for about 24 hours, then I started with severe cramping. I had two children already so the cramping felt like I was in full labor and this lasted for 4 hours or so. Then I went to the doc and he went ahead and gave me a pill that was supposed to help things along so I wouldn't have to do a D&C. He instructed me that if I did not deliver the baby by Friday afternoon (this was on Thursday) then I would have to go back for the D&C. I had more cramping that afternoon and passed a bunch of pretty horrible stuff. I thought I was done but went ahead and took it easy for the next 24 hours since I was flat worn out. I did continue to bleed and pass stuff for that whole time By Friday afternoon, I was convinced that the baby had passed (I had no idea how big it was so I made an assumption).
The next morning (Saturday) at around 10am I sent my husband to my son's soccer game and stayed home with my other son to recoup. We laid down for a nap and I woke up out of a dead sleep, felt severe pain and delivered the baby. Needless to say, it was shocking and it was finally over.
As rough as everything was though, I was glad that I waited and didn't do the D&C. I just felt like my body could handle it and I didn't want any more horrible stuff to happen with the baby that was from the outside. Sounds weird I know.
Regardless, I think you should call your doctor, tell them you are uncomfortable with a D&C and can you wait safely. Ask them if there is any other option to push the process along. Just be sure you are safe, you can get very ill if you body doesn't pass the baby on its own.
Again, I am SO sorry you have to go through this, it is very hard. Blessings to you.