His DF is 89 and lives independently, my DP are still working in their 70s and my gran lives independently aged 99
That doesn't predict anything reliably. DH and I both have long-lived/active/healthy parents and grandparents and much of our extended family too, and up til our own early 50s we both expected long healthy lives ourselves. Then our siblings started to have long-term health problems (from 40s onwards, including life threatening and non life threatening ones like back pain that really affect your ability to care for children, even driving) and die (50s onwards, both from illness such as cancer but also totally unexpected) It is lucky that these problems didn't come up while their children were babies or young children. DH and I are still healthy and active and working but at the end of our fifties we can't feel so confident any more about how long this will last.
life is just unpredictable.
Sure, things can happen at any age but I think of ill health and death like throwing darts at a board. Mostly they miss and you're OK. But the older you get the more often the darts get thrown and past 40 they get thrown a lot more often. The OP says his own sister died young. Sure, they might get lucky but they can't take it for granted any more.
Is that too late to TTC or look at IVF?
The other issue is... I would not mess with IVF at 43-plus and with children already. Nothing I have heard about IVF suggests that it's health-giving or psychologically beneficial and the chances of success are not high. It would be easy for your DH to be gung-ho but really what does he know about it?
A positive point - financially you are in a strong secure position and that does help. You wont both need to work, and (if I read correctly) you have the security of upcoming teachers' pensions. Financial security matters a lot when you have a family or when you get older or both.
I don't believe your dh really wants children, as most people who do would have made choices in life to make that happen before his age. So I thinkbthe first thing you'd have to be prepared to do is most of the parenting
That is an astute point. You'd be the one taking the brunt of the IVF too. I don't think your DH necessarily feels this way but you should take a serious look at the possibility that he does. Or you might have to do most of the parenting, not because 60 is so very old, but because that may be what your DH expects perhaps without even realising it. There is a huge difference between an involved uncle and a father, and your DH might not be expecting to have to do so much.
I am horrified reading some of these comments.
Gosh, there's a lot of judgement on here.
The OP asked. I would never make such comments otherwise, nor would the rest of us I'm sure. But she wants to know. She might have some niggling doubts of her own and want us to put them into words so she can consider them.
Having said all that, OP I would not judge you. Unless someone can invent a time machine that knocks 20 years off his age and 5 off yours, what choice do you have? What matters is what you and your DH judge is best. Having kids is always a risk. It's a benefit too.