even if you started trying at forty you only have a 5% chance of conceiving in any given month...
True but chance per month and odds are two very different things.
Odds are how it plays out over the number of "chances" with a 5% chance per cycle. I had sex around the right time (well I thought it was too early actually) 4 times as a 40 yr old, and ended up pregnant the 4th time.
It just depends on the person. The NHS used to have a factoid on their fertility page which was that 90% of women 39 and under fell pregnant within 2 yrs if TTC.
(Quoting that used to result in being verbally abused and called insane etc on here ... Until you said where it was quoted from).
That doesn't just disappear at 40, plenty of 40and 41 yr olds trying (and not trying) fall pregnant. There's a 40 something on the pregnancy choices board every week stressed & debating termination,caught because she believed she had almost no chance of getting pregnant.
Some women go beyond 41, I know plenty of them.
But on average I find the cliff is often 42.
Which gives op, if her fertility is average - good a chance, if she can meet someone and ttc pretty quickly.