Tricky.
I'd personally go for IVF if money isn't a factor, while you're still young enough for IVF to have good success rates for you. Once you hit 35 success rates start to decline.
But then I would say that as I had IVF/ICSI at the age of 31 to conceive my son (now 23 months - gave birth at 32) so to me IVF is way better than trying, and failing, to conceive naturally.
But for us money wasn't an issue (we were prepared to throw as much money as we needed to at it at the expense of saving for a deposit/ever going on proper holidays/having a crappy car etc). So we picked a private clinic with great success rates (the Lister) and it worked for first time.
We did have an issue though - male factor - so had a "problem" to remedy. TBH honest I think I'd have gone for IVF anyway, even without an issue as the not getting pregnant was problem enough! I also decided that IUI wasn't worth the effort, since the success rates are so low. I also charted for years, had acupuncture, watched diet/caffeine/alchohol etc (as did DH) though neither of us did the full on Chinese herbs etc.
I can honestly say I don't care how DS was conceived - I'm actually quite proud that he's an ICSI baby, as he's our miracle baby and modern medicine is a wonderful thing
. Though I did grieve for my fertility at the start of the process iykwim, as in I just thought it was so bloody unfair to be surrounded by people who "got pregnant at the drop of a hat" while me and DH had to slog through years of ttc and then ICSI. But we got over that and it doesn't really matter in the end...
Of course I'm now pregnant naturally...typical, after years of ttc naturally and ICSI I'm now one of those annoying anecotes "she got pregnant naturally while breastfeeding". They used to drive me crazy when I was ttc!
You do have other options - eg you could do some private investigations for immunes as you may have unidentified immune issues that are hindering implantation.
You could also set a time limit, eg if not pregnant by the Olympics then make an appointment for starting IVF (unless you're doing NHS - if you're doing NHS then I'd say get in the system asap so that you don't have so long to wait).
Good luck whatever you decide.