IVF or IUI?? Even Lower Follicle Count

Let me start off by saying that that Ganirelix is driving me nuts! lol...Ever since I have started taking it I go through a period of insulin resistance during the day. It's usually in the afternoon, after lunch. Where it would normally take me 3-4 units to get my sugar down, I am taking about 10+! This has just been while I have been on the Ganirelix. I mentioned this to the doctor today and he was surprised to hear this because the Ganirelix is just a LH prohibitor.(My LH won't rise so I won't ovulate early)

At my follow up appointment today we found out that I only have 3 follicles that have grown....I really wish it were more. Because of this the doctor has once again brought up the idea of doing an IUI instead. I have been pregnant before which the doctor says that I have in my favor. If I hadn't ever been pregnant before, he would say 100% do the IVF. But because I have, he is thinking that we might be better off doing an IUI (Artificial Insemination), but he is leaving it up to us. The biggest advantage of doing an IUI would be that we would get up to 50% or more of our money back...and if it didn't work, we could put that towards trying again starting in April. But there is still a chance that the follicles that I have produced have at least ONE viable egg in it! And after that there are more variables against us....Is the egg mature? Will the egg fertilize? Will it grow? So it's a big decision....what do we decide to do? We've come this far, do we just go all the way?! I have until tomorrow to decide......