We never really dealt with miscarriage rules because the pregnancies in our group never got to the point where it was even a possibility. An elven mage accelerated her pregnancy and took the child to an orphanage. A girl in our superheroes game got kidnapped and the child was taken from her and artificially grown at a rapid pace for evil intent. Other characters just disappeared for several months and came back either with a child or some adoption papers. That was just the way we dealt with it.
Love is a substitute for chocolate.
Let's face it, chocolate is much more reliable than any man.