I'm not in quite the same situation as you - being single I can't help with the partner concerns, but personally I first did DIY with a known donor, then switched to through a clinic using IUI with an anonymous US donor and I found it remarkably stress-free and streamlined... more so than the DIY attempts. I just felt safer medically and legally going through a clinic.
At your age I think donor IVF would be overkill... IUI should be plenty sufficient with donor swimmers.
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