IVF worth it?

Guys I need some advise. We've been trying for 3 years unsuccessfully. We have unexplained infertility so all tests have been completed. We've done one round of clomid but my gynae want us to meet and discuss the next step for us. I'm scared he's going to say IVF. How emotionally, physically and financially draining is IVF? Our insurance covers nothing to do with infertility so everything will have to be covered out of pocket. I don't know if I can put myself through IVF I just need some advice and honest views please.