Oscar screening or harmoni/panorama screening?

Hi Mommies, Im 30y.o n having my 1st pregnancy at 10weeks+ now. Doctor had suggested me to do some screening on my next visit which is on 12th weeks to check the risk of having down syndrome baby. This issue has been giving quite alot of stress recently, i’ve asked around. Some of my friends did oscar n gotten quite high risk n end up depressed n stress for the next few mths but aftr gv birth, her baby turn out to be normal (thanks god). My husband n my mom not allowed me to do since the result is just by percentage instead of Yes/No. but I cant stop worrying about this, i rly hope my baby is healthy. So my husband suggested to do panorama/harmoni due to the result is 99% accurate while Oscar is only 90% but cost wise panorama/harmoni rly cost a bomb! Can anyone advise me, does it necessary to do this screening? Does the result accurate? Have u all done any screening that i mentioned? Thanks, sorry for the long post.