The main difference is that combined screening detects risk, while NIPT looks for the actual problem. Screening is a probability calculation based on your markers and ultrasound - it can give a false result simply because the high-risk group includes a lot of healthy women. NIPT analyzes fetal DNA that circulates in your blood and catches real chromosomal abnormalities much more accurately. If screening showed low risk, the probability that your baby is healthy is already high. If it showed high risk, NIPT can confirm or ease your concerns without any risk to your pregnancy (unlike amniocentesis).
When it makes sense to do NIPT: if screening showed a "red flag," if your age or family history is concerning, if ultrasound found anything odd, or if you just want to be sure and don't want to wait for additional testing. If your ultrasound is normal and screening is normal, you can skip it - though many people do it for their own peace of mind.
Here's what I'd suggest: don't rush the decision. Ask your gynecologist directly - why did she suggest NIPT based on your results? Did she notice something on the ultrasound? If the answer is basically "just to confirm," that's more marketing. If there's a specific reason - then it makes sense. And clarify whether the test covers the specific abnormalities you're worried about, because not all NIPT options are equally comprehensive.