At your age, the risk of chromosomal abnormalities is already noticeable, but not critical, so choosing a test is mostly about how much certainty you want and whether you're willing to pay for it. NIPT is indeed more accurate than standard screening: it analyzes fetal DNA directly from the mother's blood rather than indirect markers. If standard screening gives you a questionable result, NIPT often helps clear things up without needing amniocentesis. But it's not cheap - it depends on the clinic, usually several thousand rubles.
The main catch that nobody really talks about: even if the test comes back negative, it's not a cure-all. NIPT doesn't catch every type of genetic disorder - for example, it can't detect structural neural tube defects. And on the flip side, sometimes it gives a scary result that doesn't get confirmed later. So the result isn't a death sentence, just a reason to have a further conversation with your doctor, maybe get an ultrasound from a specialist, or if you're really worried, do an invasive test.
Practical tip: check whether NIPT is covered by your insurance or if there are any programs in your region - sometimes the cost goes down. If not, realistically assess your budget. If you can afford it and you're the anxious type, NIPT will give you more peace of mind. If not, standard screening plus a good ultrasound at 18 - 22 weeks works pretty well too.