hi sherri lynne.. My 4 year old son has asked me how he got out of my tummy and i told him very simply. the truth.. that he came out my vagina and that the doctors helped. he thought it was funny and then never asked again.
i can see why perhaps she is a little scared about them cutting you, i have had other operations on my stomach which made my son afraid despite telling him it was ok..
Maybe you can tell her that the doctors will give you special medicine which means it wont hurt when they get the baby out or that the doctors went to school for a long time so they could learn how to do it without hurting you... i think its important to keep it as close to the truth as you can.. there are books for children out there too, maybe you could find one that explains it in realllll simply terms..
i also think sometimes kids are happy with a much simpler asnwer than what we give sometimes.. like for example, my son one day said to me, "why do you stick those up you mummy"? (meaning tampons) lol he follows me to the bathroom! i said to him, "oh those are just for mummys to use" I didnt really asnwer his question but he was happy with the answer and took off to play hehe
congrats on your pregnancy, and i hope you are able to ease some of your little ones fears..it can be a nervous time for kids but dont worry, after babys born she wll see and no you are fine