Tubal Pregnancies

I had a rubber band put on my tubes a little over 8 years ago (well 8 1/2 actually). My husband and I are TTC baby #1 together. Of course our insurance will not cover it to be removed, and locally it will cost 8,000.00 to have the procedure. Does anyone have a story or experience where you became pregnant without having to have the reversal?? When I had it done the Dr told me it is less effective after 10 years, can anyone help?????? Thank you!