Decisions

Peter and I went to dinner tonight and were talking about IVF vs. adoption. Our health insurance expires on July 25 so we only have 3 months and 3 weeks left. Here's our options.
Option 1: IUI in May, June, July (possibly)
Option 2: IUI in May, IVF in June or July
This is all assuming that I don't have any cysts after this or the May cycles. If we do have cysts, that is one less cycle that we can do anything Our insurance covers up to $3500 in fertility including IVF. The good thing about doing IVF while having insurance is that although not much would be covered, the medicine would be mostly covered which would save probably upwards of $1000. On the other hand, that is tons of money. Would it be worth it to do as many IUIs as possible? I feel like I should have a decision made before I start CD1, go to the Dr. office and he asks if we should start injections that week. I'm split on what to do and really confused. I hope to be able to have this decision made by the time my next cycle starts. I am taking this month "off" so I plan to try to clear my mind and make that decision. I wish somebody could tell me what I should do. My RE says we should do one more IUI then IVF, but it is not his money. It sucks that this kid of decision is a money decision. Fertile couples don't have to make the decision to start a family based on finances. Whatever.
On another note, my MiL and other SiL have both finally responded to my email. MiL said she didn't get it (hmmm...) originally. She said we are in her prayers. SiL sent me an email and called me today. She was very genuine. She has been TTC for 6 months and has a hard time. I found myself being Positive Polly (yes, I made that name up on the spot. I couldn't really think of any other P names-Peggy? Penelope?) about the whole thing. I don't know where it came from but I decided I won't let this thing beat me. Some days it does (I started crying at Texas Roadhouse tonight), but I have to fight. I told her that God thinks we are able to handle this so He obviously knows more than we do. My Savior went through this for me while he was performing the Atonement so I can go through it as best as I can for Him.