When did you seriously consider/decide to do IVF? We’re at cycle 9 and are ready to do this at the 12 cycle mark already- is that insane?

I'm 30, husband 35, no health issues, no diagnoses, no medications, we live healthy lifestyles (no drinking, no smoking, eating healthy, exercise, take supplements etc). Been meticulously tracking BBT and CM and using OPKs for one year, been TTC for 8 months and 8 cycles, and now going into cycle 9. 

Cycle bloodwork (CD3, ovulation, and 7 days post-ovulation) is all good. 

My vitamins and hormones are good, only thing to improve is bring my vitamin D up a little (it's in the normal range but on the lower half of normal), and take my TSH down a VERYYY small amount even though I'm in the normal range (just started levothyroxine). 

Pelvic + vaginal ultrasound results are perfectly normal.

SA for my husband is booked for next month, really looking forward to these results!

Getting a HSG is a whole other thing that I'm not going to get into (really stupid process of getting it where I live), but it will take several months from now to get; hoping to get it by December somehow.  

Anyways, should my husband's SA and my HSG come back normal, is it crazy to jump into IVF once we hit the 1 year mark?

I don't want to do IVF, it actually scares the living daylights out of me and is NOT something I ideally want to go through. But I feel that after 8 cycles of no BFP, there is obviously something wrong. And if the SA and HSG come back normal, then there's probably something wrong on a microscopic level that can't be fixed anyways without IVF. I also feel like if absolutely nothing is wrong on a level that is fixable with meds or a basic procedure, then I don't entirely see how IUI would help. My practitioner is even hesitant to put me on Letrozole or Clomid since it's very obvious that I'm constantly ovulating with no issue. 

We're seeing my practitioner in a little over a month and are ready to ask for a referral to the fertility clinic. When did you seriously consider IVF or jump into it? We'll be paying out of pocket for IVF, and are looking at possibly doing it (or at least some cycles of it) in Europe. But is it crazy to be mapping this out at cycle 9 already??