What you are feeling is exactly how I felt after months of TTC. Unfortunately sometimes that happens. Has your DH had his swimmers tested? Many people will tell you that you should wait 12 months before getting tested but I wouldn't wait.

Totally get how you feel about those accidental babies. Some people are just really really fertile. It's ok to be annoyed about it. When is AF due? If she's due in the next few days, you could do a test if you want.

Good luck &