Has anyone had to have a d&c done before? My doctor gave me the choice of trying to let this pass…

Has anyone had to have a d&c done before? My doctor gave me the choice of trying to let this pass naturally or having surgery. I'm just not sure what to do. I was supposed to be 10 weeks to the day when I found out about my loss and the baby only measured 7w4d so it's already been a few weeks and I've still not passed anything. Just cramping and light bleeding.