Hi Mother Goose, we did IVF and fell pregnant in April. The costs involved were higher than you've been told, we paid about 8000 and got about half of that back.
I'm not sure about how they go about collecting from your hubby as my hubby had no issues such as vasectomys etc. We were told we had about a 1 in 3 chance of success, yours may be higher as you have no fertility issues (I have PCOS and Endo as well as blocked tubes). I didn't find the whole procedure that unpleasant (but that may be hindsight now that I'm pregnant) I remember having some reactions to one of the drugs (got very weepy and cranky) but the needles etc were fine as were the actual procedures. Happy to give you more in depth details about what was involved if you want them.

Good luck!!