I have been through a lot of fertility interventions and am now pregnant. We went through several years of trying and thinking it would never work for us, and it was a rough ride, but now here we are, and it's absolutely incredible. And we never would have been able to get here naturally.
I just wanted to say, please don't refuse IVF outright if the only reason is because you are scared of the unknown. It's totally understandable to be scared, but it might not be as awful as you think, and it might be worth it in the end.
If you do still on some level want a child, I would urge you to do your research and find out more about fertility treatments.
It might also be that a much less invasive treatment (IUI) is suitable for you, and you are absolutely not too old.
Of course, if you are really past the stage where you want a child, then it's completely your right to draw a line under it, whatever your husband says. If one person in a couple doesn't want a child, then that couple shouldn't have a child.
I'm just saying, please don't discount IVF out of fear alone. I would go through everything I have been through all over again to get to where I am now.
Best of luck whatever you decide.