We had six cycles.
I would have to say that in the end it was POF that finally got us. We had a ton of difficulties, none of them significant, but enough to deter pregnancy without IVF.
Without insurance and if I had qualified, I would without a doubt go with the pre-paid/guarantee program. But I'm just saying this in hindsight. It's pretty easy to see in hindsight. But, I never would have thought in a million years that it would have taken us six attempts either.
Hope you are PG right now so you don't even have to worry about it!

~m