Opk question

Ok so last month  I got a positive ovulation test on the 20th ....didn't BD until 21st about 11AM and got my AF on Jan 3rd my question is that the directions for the OPK says that once I get a positive if BD within 24 to 36 hours I have the best chance but as I'm reading articles online it's saying if I got a positive and did it the next day that chances are it's too late to conceive.... Yes I know that I only BD one time during my fertile cycle last month but the last time I got pregnant in the beginning of 2015  we really weren't trying and it was only one time on the actual day that I ovulated and I got pregnant so I know that I can get pregnant very quickly as I did with my first and my second now I'm wanting a baby very badly because my baby that I had gotten pregnant w in the beginning of 2015 I had to deliver at 22 weeks due to incompetent cervix she didn't make it past two hours we are devastated I want a baby very badly .....before I had her I was like it will happen when it happens I never really worried about it but now that this is happened to me I have to have a baby.... Does anybody have any feedback or suggestions for me please it would be greatly appreciated