I would do it so there are never any what ifs later on. We never had any frozen so it was a pretty easy (and freeing

) decisions to walk away from medical stuff. Not to impose my views about embryos but to me those are potential children in my mind so I personally would not want to walk away from that. We got pregnant with IVF
(unfortunately they were born prematurely at 20 weeks) but those little 8 cell embryos were definitely my sons from day one.
Now about surrogacy you need to do what is in your heart about that not what your doctor suggests. Go with your gut on that one!
Good Luck!