You said it perfectly!! No one that wants a family should go childless...period. I totally agree.
There are a whole bunch of ladies on this forum over 40 and ttc. Some are doing it naturally, some are doing IUI's and IVF's, and others are doing donor eggs or embryos. I don't think you should be apprehensive about being pregnant in your 40's, I think you just need to decide if you are ready to get back on the rollercoaster : )
Having said that, I see you have had to cycle's of IVF, and are considering a 3rd. I say if you have the $ and want to do it ... GO For It!!! If you want a higher success rate, you may want to consider donor eggs, or embryos.
Bottom line, I don't think Anyone who wants a family should go childess... there are just tooooo many options for that! : )
It is possible am 42 and this is my first Ivf just find a doc that deal wit Ivf over 40 good luck rainy!!!