We pretty much got to that same point. We chose to go with adoption because we knew eventually we WOULD be parents, with IVF, there is no guarantee that it will work. We knew we couldn't afford to try both, so we stopped tx and went for adoption. But, I will also say that I was totally 100% fine with never being pregnant. My mother is deceased and I don't think emotionally I could do it without her. Plus, I just never really had the desire to go through a pregnancy. I'm a wimp.
I just knew I wanted to be a mom and didn't really care how that happened. I think you are the only one that can make this decision. You just have to decide how important it is to you to have that bio connection. To me it didn't matter, but not everyone feels that way. Good luck to you!!
Kim