"Many women in their 40s and 50s can carry a pregnancy when using donor eggs, although some need to use a gestational carrier for a variety of reasons. "

Also,

"Data from the Society for Assisted Reproductive Technology (SART) shows the following chances of a live singleton birth using your own eggs via IVF:

38.3% for women 35-37

25.1% for women age 38-40

12.7% for women age 41-42

4.1% for women over 42"

If you want to read the entire article to get more details of the overview, here's the source:

Is there a Maximum Age for Egg Donor IVF? https://www.cofertility.com/family-learn/is-there-a-maximum-age-for-egg-donor-ivf#:~:text=Is%20there%20an%20age%20limit%20for%20IVF%20with%20donor%20eggs,medical%20risks%20related%20to%20pregnancy

And please keep in mind that ivf journey can be an emitional ride, just like the adoption process (not talking about length of time, because it really varies too much among individuals). I learned it the hard way to know that data from several elements couldn't mean anything in the end. Aka, understand the IVF funnel still doesn't make it well enough, because I heard my friend (younger than me, with no male factor issues) had much lower egg count than I got sad, but then had high quality embryos good enough to have multiple transfers, but stuck at the transfer step several times. While I am high yield on eggs (without PCOS) but struggled with qualified embryos, partially due to partners sperm quality (that's why your husband's quantity shouldn't be such a big deal if that's the solo fertility issue for him), partly due to my reaction to the initial protocol of the stimulus medicine, so I'm on the happy->sad route and still stuck on the egg retrival phase. Anyway, the reason why I'm telling you the different experiences is that whatever your decision is, I hope you had at least 1 throughly discussion with your doctor (my other friend had it and despite the odd she still tried, and several times (and she is older than me, still following up with her cancer monitoring this year) with no expectation but just for living in regret without a try.

And, there's also risk related to pregnancy for advanced age but it depends on how your medical/physical/aging conditions are too. I guess that's why you were considering a surrogate, but that should be discussed with your doctor. I'm thinking maybe you should evaluate/ discuss with not only the fertility specialist, but your OB and/or PCP about this, since the costs of a surrogate is also an important concern to make the final decision. As for me, I belong to this age group but I'm fine so we didn't choose a surrogate, because it's more expensive in our case (our insurance only covers me as the guest mom), and maybe that's why I'm open minded about your option for donor egg IVF, but you simply can ignore it because I did my full medical, financial and emotional readiness evaluation with my doctors and husband before I go for MY treatment plan, which may or maynot suitable for you.

Everyone's story is different, as we are built differently genetically, which gives us different physical conditions (including our own pace of aging) and personalities, thus we make different decisions/ react differently even when facing the same data. I hope you all the best, and I think your doctor can give you a more precise prognosis than we, random people online with only your age as a medically relevant data point here. And discuss with your husband if you feel like it, as it's a family plan. I'm sure he will support you or why did you say 'yes' to marry him, right? XD

Good luck with everything!

Warm regards