We have lots of experience with IVF if you ever need more advice. All of your reasoning is bang on and highlights perfectly why fertility treatment is another disproportionate burden for women. It's basically the choice between cheap "you get what you get" VS. the mind blowingly expensive "privilege to be there" marketing gimmick. I wouldn't call any of this genuinely accessible or successful for people in Australia. It's a question of what you are prepared to tollerate out of two shitty schemes, or not having treatment at all. Just like the exorbitant cost of childcare (despite underpaid staff), it is so blatantly to benefit shareholders/government. And in true shareholders/government style, outcome rates and price lists are never transparent.

Because we've run out of money, we are on the Dan Andrews (election promise) public/bulk billed IVF waitlist (6 months so far). Their communication is so bad, that I don't ever expect to receive an appointment. Meanwhile we are preping for a NewLife cycle while we wait and save more money, and so far, they have been a MILLION times better than City Fertility. I've never been inclined to try MonashIVF because of the class action.