I totally hear you about stressing over every little decision! That has been the story of my life these pst 3 years. However I do have an answer for you.
My doctor said that recent studies have shown that ectopic pregnancies can be decreased by simply delaying the progesterone in the 2ww. He makes me wait 5 DPO, then I start the suppositories. The egg should be close to the uterus by then. He used to start me on them only a day or so after O.
Talk to your doctor about it, this isn't a decision you should have to worry about. You have enough to worry about!