We refused to spend anymore money on IUIs too. The RE said o'ing was the only problem we had, so we figured we'd give TI with injects a try. It totally sucks! Half the time, I'm so swollen and in pain from the meds, that the last thing I want to do is bd. Then he tends to get pressure anxiety after the first bd session. I so feel your pain.
I can't wait until we have enough money saved to try IVF. It shouldnt be this hard.