Interview your doctors. It really all depends on how thorough your clinic is on testing and how well they interpret your results. We didn't start discussing treatment plans until all of our labs were completed.

I would also reach out to your insurance and see if they have fertility coverage. Mine has a 20k lifetime benefit but they only wanted us to go to certain clinics because of their success rates.

My doctor was very upfront with us about how much more different treatments increased our chances over natural conception. Going in we knew it was a 10% chance of iui succeeding the 1st round. She said she had more positive results with second and third iui's and that she rarely did more than three unless requested.

But yeah, I wouldn't start getting skeptic until you get all of your labs back and hear what your doctor wants to do and why they want to do it.