Dear Wisconsingal,
I'm so very very sorry that you are going through this, I know exactly how you must be feeling as the same thing happened to me last year.

I found out at my 12 week scan that my baby had no heartbeat and had died at around 8.5 weeks. In my naieveity (spelling?) I didn't even know there was such a thing as a missed miscarriage, so it came as a total shock (although looking back there were signs, such as I stopped feeling sick around the 9 week point). Anyway, I was given three options as follows - 1) to let nature take its course and expel the pregnancy naturally, 2) to take tablets to induce contractions to expel the pregnancy or 3) to opt for an ERPC (similar to D&C). The midwife I saw suggested that I opt for the tablets as she felt it would be more 'natural' than the operation (the first option wasn't really an option for me as it didn't look as though this would happen).
I took the midwife's advice and opted for the tablets but had a terrible experience at the hospital and found out 3 weeks later (after numerous blood tests and finally another scan) that they hadn't worked and the baby was still in my womb (only happens in a very small number of cases)! At this point I decided to go for the ERPC as there was no way the pregnancy was going to expel naturally. I have to say in my experience the operation was nowhere near as bad as my experience with the tablets. It was quick, I was under general anesthetic during the procedure and experienced only mild pain afterwards, plus my body returned to it's natural cycle almost immediately.
Obviously this is only my opinion and I can only share my experience (I'm sure other women could offer you a more positive experience of the other two options). But remember that ultimately it is your decision, don't feel pressured to make a decision straight away and make sure you ask lots of questions (such as side effects, complications, long-term effects etc) before you decide what to do.
It is a really horrible decision to have to make at such a traumatic time. I can also add that in my experience the emotional pain you are suffering doesn't go away entirely, but it does get easier day by day, and I finally feel able to undergo treatment again.
Praying that you will find the strength to make the decision that is right for YOU.
Love
Wendy xx