Article 15 and involuntary discharge?

I'm unsure how to proceed. I am currently pregnant and just barely out of my first trimester. I had my first son 8 months ago and have been in for 2 years. I was late 3 times due to car troubles. My car wouldn't start two of those times. Each time I fixed the car so that I could get it to limp along. I tried to take as few hours as possible to find a working situation so that I'd be able to make part of my work day. I am now being told that a chapter 8 would be in my best interest. I have been advised that my Commander can take that one write up and make it out to be misconduct on my side and procure an involuntary discharge or an article 15. I was advised he can request my field jacket and use one write up to do this instead of needing to have 3 to do it. I read on what misconduct is and technically two issues of any kind can be misconduct, but it usually appears to be tied to more egregious errors having to do with drugs or alcohol. I was told that it could turn into a involuntary discharge and that I will lose all of my benefits. I asked if I should be preemptive and go speak to legal and was advised against it. I was told that if I just take a chapter 8 they are unlikely to try to push an involuntary discharge and that they'll just let it slide. I was told that the commander could pull my jacket at any time and use whatever he wished to against me. I was also asked if I planned on having any more kids to which I advised no. I was told that if I take the chapter 8 they will pay for my three months of leave in full, which contradicts what I've been reading. I am about ready to either go to IG or my EO representative. I am fairly confused how a Sgt who sexually harassed his subordinates gets away with being demoted to a specialist with extra duty, while a pregnant woman who had legitimate car troubles is being told they will bar her or involuntary discharge her. I would think sexual harassment is a hell of a lot worse than car troubles? I have noticed that the unit I am in also has a blatant disregard for AR 40-501 and try to require females to take a record pt test without giving them the 180 days from termination of pregnancy to get back to the standard. My PA had to physically create another profile. Do I take the discharge? Should I contact IG? Should I contact my EO representative?