I got a lot of advice from this board when I was in your shoes - the overwhelming majority of people felt pretty strongly that transferring one was the smartest and safest option. At the time, there had been several devastating twin loses and very early twin deliveries by people on the boards. Although I understood the risks, I felt just like you and wanted the safety net of two, so we transferred two. I was pregnant with twins for 10 weeks and then lost one. Due to complications from this loss and constant subchorionic hemorrhages around the lost twin's gestational sac, I've been on bed rest or pelvic rest for the entire 26 weeks of my pregnancy so far... Don't get me wrong - I am THRILLED to be pregnant, but I think I could've saved myself a lot of stress, heartache, and health issues if I'd just transferred one.