Reluctant to start treatment?

Backstory: TTC since June 2025, got pregnant after 6 cycles (7 months), miscarried at 9w3d, in my 5th cycle trying since. I have PCOS but cycles have been regulated since October after getting on Metformin.

Just had a consult with a fertility doctor who recommends completing testing (SIS, repeat labs and repeat SA).
All my labs were normal but done over a year ago, so this doc wants a new baseline. Sperm count and motility were great, but morphology was at 1%. Best guess is that the miscarriage was a random chromosomal issue.

His recommendation pending test results was to start treatment on letrozole with or without IUI.

Part of me wants to do everything I can to get (and stay) pregnant. However, part of me also wants to give my body more chances to see if it can happen naturally again.

I also don’t know if I want to jump straight to IUI. I’d be open to letrozole once testing is back (realistically would be by October, which would have given me 6-7 months of trying on my own again), but both my husband and I feel like IUI straight away is a bit extreme. I’d prefer to take things one step at a time.

To those that have gone through this- am I being naive about this? If you delayed starting recommended treatment, did you regret it?