OK. Ladies. I need you!

I have the option of trying IUI this month and just had my LH surge, so it would be TOMORROW.

I was on Femara days 3-7 this month, so I almost feel like it would be a waste if I didn't do the IUI.

So, here are the pros and cons:

Pros
-Not wasting Femara round
-Doctor is billing as an office visit (so less than $250)
-ups our chances a little

Cons
-DH wants to wait and keep trying naturally for a while
-the chances aren't THAT great with IUI, so maybe it's a waste of time, hopes and money
-would rather get pregnant "making love" than via a catheter
-I feel rushed, now that my LH surge came sooner than expected

HELP!!