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Cystic Fibrosis is a severe disability that shortens children's lives, though some are now living to adult ages. They can be very ill a lot of the time, though you should do your own research, as mine is a bit old.
If you think you might consider abortion rather than giving birth to such a child, you need the test.
If you would not consider abortion, but would choose to have the child no matter what, the test can help you prepare for the unfortunate circumstance of your child having the illness.
The things that can help you decide whether or not to spend the money would be how common or rare CF is and whether there is something in your family history that caused the doc to offer it.
It was not available when I had my kids, but personally, I would have saved the money as it wouldn't have affected my choices during pregnancy.
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- Thanks for other great answers too!