Ligation? 🤔

This is my 4th pregnancy. I already have 2 boys and 1 girl. Unknown pa yung 4th since I'm still on my 12th week. I'm 30 years old and husby is 31. My OB is suggesting ligation after I gave birth. Is it still early or just the right time? For me last na sana kaso si husby ayaw pumayag sa ligation kasi permanent nadaw. Tsaka takot sya sa side effects. Sino ba dito ang ligated na? Okay lang po ba? Medyo natatakot din ako eh. 😅