Birth Control - Advice needed

hey everyone, I would love some advice

I’m nearly 21, I have two kids, both were planned. My husband and I have been together since we were 15, in the years before my first (pregnant at 18) we relied on the pull out method which was obviously idiotic. My parents didn’t really teach me anything at all about sex, safe sex, contraceptives or birth control, in fact my mom took my condoms when she found them as she would go through my room when I was at school.

That being said I’ve never had any form of birth control and I’m really hoping to start some, but everyone I ask tells me horror stories about every form from the IUD to the mini pills. I’m not in a place physically, mentally or financially to have another baby anytime soon. I’m not super comfortable with something as invasive as the little thing they put in your arm or the IUD.

I would like to say I really love the idea of using OPKs to track my cycle and avoid my fertile days. For those of you that use this method how long have you been using it, are you successful? When you’re in your fertile week do you avoid sex all together or do you use a condom or the pull out method? Do you track using OPKs? Spermicidal lube?