IUI or just timed intercourse?

Hi, 
We have been TTC for a year. Doctor has said we can do IUI next cycle but my husband is not convinced that is a great way to spend money for only 5% greater chance.. when we can just have sex.. 
All our checks have been perfect except my ovaries look polycystic but I don't have any hormone involvement. 
Any stories on Letrozole, trigger shot and timed intercourse? 

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