Hi Beagle, I read your post and agree with prior posters that if it were me I think I'd go ahead and start IVF because November 15th you'll find out if you are approved which means that there's a chance you may not get it and possibly wasted your time waiting. Just my train of thought as I've been ttc for a long time and hate wasting any more time. GL to you and DH on the decisions you have to make over the next few weeks.
I got a call form the bank a few weeks back regarding a low rate credit card with a much higher limit than my current card. I applied today and the lady at the bank is pretty sure I'll be approved. Generally when I get these calls I would not accept the new limit but decided to get it in case we have to do ivf so we don;t have to use all of our savings.