Jchic, DO NOT beat yourself up. PLEASE. You had NO way to know that you were not going to O yesterday.
People usually ovulate 12-48 hours after their first + OPK, which would put you Monday evening through this morning. It IS possible that you ovulated this morning (24 hours after your last IUI) - your temp wouldn't rise yet this morning if you are just ovulating NOW). I bet you today is O'day, and if the sperm lasts 24-36 hours, then you should be OK. Also, you are DTD the old fashioned way.
Listen, if it doesn't happen this cycle, it was not meant to be, for some unforeseen reason you can't know yet, or ever. Maybe it will be a bad egg or a bad sperm and there would have been a big problem with the fetus, or maybe having a baby next October will be really bad timing for some reason that you can't know. Give it up to God girl. Like Creative says, we can toss the dice, but God makes all the decisions - or something like that. I'm not even religious, but I do believe that things happen for a reason, and things work out the way they are supposed to.
The good news is that it was FREE for you, and you can try again next month, using the knowledge that you O a little later after getting a + OPK, probably 36-48 hours later. One more consolation - it's possible you even O'ed last night and the progesterone hasn't had time enough to build up to produce a temp rise yet. ??