I've been fiddling with maths and stats more and think I have the picture.
Using a random number generator I decided to mock up some imaginary couples' TTC journeys.
I kept the numbers simple. On average most couples have say 25% chance to conceive each cycle. So I kept rolling until they got 76 or higher. Then they have a 20% chance of miscarriage, so roll again and anything 20 or lower indicates miscarriage (in which case start rolling for conception again). Count up number of cycles taken to achieve pregnancy at the end.
To simulate the unbalanced translocation, I pretended that any numbers in the "conception" simulation which came out even indicated balanced embryos whereas odd numbers were unbalanced. And I continued each "couple simulation" until they achieved a pregnancy with an even-numbered embryo in the first place.
So sometimes when a healthy couple conceived successfully, so would the same couple with a translocation, but sometimes their embryo would be nonviable, so it would either end up as a non-conception or a miscarriage. And then, of course, when the healthy couple suffered a miscarriage, the couple with a translocation would too (if they had even conceived in the first place, which sometimes they didn't).
My imaginary "healthy couples" had experiences ranging from three couples getting pregnant immediately on the first cycle to one couple who took 17 cycles to get pregnant with 2 miscarriages along the way, and one who took 13 cycles with 3 miscarriages. This is based purely on chance.
In fact all three of the successful pregnancies cycle 1 also applied to the translocation couples in my simulation
but the longest journey for the couples with translocation I found was 33 cycles with 4 miscarriages. The healthy couple counterpart to them conceived in cycle 5, no miscarriages. There were four simulations where the outcome was the same for the translocation and healthy couples, and in the other six, the difference was only 1-2 total cycles for two of them, with three needing around 3x the amount of cycles to achieve successful pregnancy and only that one outlier couple who had a really hard time.
Sorry I expect this is really boring to everyone else but I love figuring out things like this! Perhaps I should stick it on the blog.