I know you're scared. Let me suggest that "Dr. Google" isn't always your friend - it's a great way to get scared to death. Not all sources are objective anyway, some sources have an agenda, and some are older or more recent than others - so not all articles and blogs are created equal.
I was advised to have an amnio because I was in my late 30s. I considered the risks, and I know you are too. The risks are extremely low, perhaps less than many more months of stress and worry. That's not good for you. And having information is powerful. If the amnio is negative, you'll relax and enjoy the rest of your pregnancy. If it shows a problem, you'll be prepared and able to make decisions/plans.
As always, feel free to get a second opinion! No OB (or any other physician) worth his/her salt will object to that. You collect a pile of information from different tests, scans and so on, and then you get a total picture.
Good luck!