Beav,
Please don't take this post as being harsh or negative, I just want to give you my experience. Once you are over 38 your fertility drops OI and IUI only address a few issues with getting pregnant. they make sure you ovulate and make sure there are sperm present at the right time. IVF covers all bases ie. makes sure you ovulate, ensures sperm fertilises the egg, picks the embryo that looks them best to implant, makes sure your uterine lining is the best it can be and many clinics give you progesterone support during the two week wait to make sure you have not problems there. While IVF is expensive and invasive, it just does so much more than OI or IUI. It is fine to try all these out if people are up to their mid 30s but once you get to 40, there is more likelihood that your eggs won't fertilise without help or that your lining is not good and that your eggs quality is diminishing so the sooner you get to IVF the better. that has been my experience so I urge you to jump right into IVF but also understand it is a big decision so good luck.
forgot to say. If you are looking for price lists from clinics, best thing to do is to get someone on here to scan / send you a recent price list from a clinic. as you say, they won't give you a price list until you see a doctor and sign up for IVF so you could spend $500 before you even know what the IVF is going to cost!