Down syndrome test result

Hello all, my Down syndrome test result ratio came out to be 1:287 and was told it was slightly high risk. The low risk ratio is 1:300. I was advised to go for further tests like NIPT which costs $375+ and honestly, I cannot afford it at a time like this. I’m not really worried, but I’m worried. ? I just want to know if it’s going to be ok if I forego the tests because the lady over the phone said I might just happen to carry the hormones at the time of drawing blood and may not harm the baby at all. But just to have a peace of mind, she recommended that I go for further checks in case I might have any other chromosomal abnormalities. Which I’m not interested because it’s expensive. Did any of you with high risk ratio forego further testing?