Maybe just to put your mind at ease you should try to ask for another ultrasound in 1 week. This way you can be sure there was no growth or a heartbeat. I would say then if there is no progress to get the D&C. Sorry you have to go through this.
It sounds like you had a "missed miscarriage". I went through this same thing in March. You may want to get a second opinion from another physician if you aren't 100% sure the pregnancy is lost. With me, I knew when the dopplar didnt pick up a heartbeat that something was wrong. Then they did the ultrasound which confirmed it for me. It was devastating. I also had no signs whatsoever of miscarriage. I underwent a D & C 2 days later and am now currently ttc again. I am so sorry for your loss, I truly am .i hope all the best for you.
P.S. If you want a baby keep taking you prenatal vitamins, it is sooooo important!!