dont be afraid of the crisis team, they are there to support you and get you the help you need. i too refused at first and i cant really remember how i got involved with them, but if i wasnt on their radar i doubt i would be here now. yes they can recommend hospital but you dont have to go..i actually agreed to go in the end to avoid section..your hospital experience will be unique to you. i spent 17 weeks inside and it was a total nightmare and waste of time and certainly didnt deliver what was promised so when i am asked if i want to go again...i give a resounding NO, but that does not mean it will be your experience. all i can say is that if i refused again that particular day i would not be here now..so within an hour or so i was admitted.
what i am trying to say is its better to go voluntarily but dont expect too much, it will keep you safe but may not deal with why you are there in first place. if you realise you are desperately suicidal then i would suggest you go as it will keep you safe and hopefully you will get more help that i got apart from being pumped full of drugs.
good luck and balance how you feel with what you want.