What if IVF isn’t a good option?

Mi

The wife and I are debating between moving to IVF or continuing with more IUIs. We are trying to work with insurance on getting our IVF viewed In-Network cause if not it’s a decent amount more plus all meds will be out of pocket at this point. We are so torn to spend close to $12,000+ and if it’s feasible.

Has anyone else been in this boat? Thoughts? Did you continue with IUI to try?