Advice on next steps, quick TI month between IUI and IVF?

Saw RE Friday. CD9 scan and labs confirmed ovulation, likely occurred on day 5. Progesterone was 20+ but we missed the window. She said bc age, low amh, low IUI Success, and ovulation occurring anywhere between day 5 and 14, we should to move to IVF. We arent candidates for injectables with IUI bc multiple.rate and low success. No point wasting expensive meds for 6-12% success.

She only does FET and suggests we do genetic test.

Because of Covid19, hubby wants to wait a month before we start the protocol. We are out of town with our boys right now camping so I'll message and call monday.

1 would you try no meds and have sex daily starting CD2.

2 ask to take femara cd 3-7 like usual and have sex starting cd2.

3. Just start birth conrol for the ivf protocol and delay transfer if it's still crazy. (Dont have pills yet.)

Hubby kind of wants to not try bc what of Covid19 causes birth defects... i dont want to wait.