The clinic I went to especially called me for the checkup to suggest what would suit me the best. The meeting was for free including the expenditure which was a great offer. IVF with donor eggs is very similar to surrogacy. The only difference is that you are able to experience the whole pregnancy stage. I am sure every mother wants to experience that so yea you may try as well. IVF and surrogacy are both good. But IVF sometimes may cause some problems. It may fail sometimes. Due to its failures, It takes very lengthy period. Some bodies do not the response to the IVF. So I think that surrogacy is the best option for you. It is not waste of money. In fact, it is like a blessing for the intended parents. It is the safest way of getting a baby. So do not waste any more time. Just go for it and complete your family. Good luck.