Costs vary hugely from clinic to clinic. Call the local clinics - I think the initial talk/info session is usually free and includes cost info. Payment plans, etc are possible.
The health insurance covers hospital costs but not lab costs
The medicare safety net helps with the Doctor's costs
Some of the remaining costs are tax-deductible
I would set aside 5-10 k to have a good go at ivf ('cause it make well take more than one round of stimulation/collection). If you make lots of good eggs and they can freeze some embryos then replanting frozen ones is much cheaper than a new stimulation/collection cycle.
The clinics work by having a "shopping list" of fees - so much for stimulation, so much for fertilizing, so much for ICSI (if they have to inject the sperm straight into the egg rather than let them find it themselves), so much for freezing, so much for replanting a frozen one and so on...

As for the injections - most of them are little ones done with a pen-like thingy, and much less icky than a vaccination-type injection. It's only the last one that is a "typical" injection. The surgery is very minor (no cuts or stitches or anything), and you will probably feel worse from the big change in hormones that accompanies it than you will from the surgery.
Hyperstimulation is a nasty potential complication - but they watch for that very carefully and do everything possible to avoid it.