I am so incredibly sorry for your loss, it is such a heartbreaking situation to go through.
I have been thru each scenario with my losses (waiting/natural, medicated and surgery). Each are very difficult however I wouldn't suggest waiting, the emotional pain waiting was so hard.
The d&c option was the simplest however for me, the medicated option helped me grieve by going thru the motions. Having a toddler now though, my choice would change (d&c) as I would need to ensure that I'm well and healthy to be here to care for him.