Hi Baking Girl,
Welcome aboard - you've obviously got a lot going through your head right now, and you'll get lots of support here. I think you could safely say that this group knows all there is to know about AC.
All i wanted to add was that me and DH got counselling and nursing appointments and we haven't started IVF yet and haven't paid for anything (except the FS appt). We are with Melbourne IVF.
The nurse and the accounts dept assured us that we are free to withdraw at anytime with no penalty and even start and stop if we need to. The counsellors are available all the time free of charge, as is the nurse. They have always been very understanding and patient.
You shouldn't feel pressured and scared - and although you have accepted that time is a factor for you, you should not feel in a panic to make any rushed decisions. Especially not one that is so very important.
Good luck,
Jo