How much is too much?

So ever since my doctor appointment last week, I've been doing a lot of thinking about where I stand with all this medical stuff. I've never been too keen on taking medications. Whether it's a Tylenol for a headache or something bigger, I just don't like doing it. I feel like there is always something else I could or should try before going that route. And I especially don't like the idea of being on something every day for the rest of my life. I think that's part of the problem I had with birth control. I was terrible about making a pill a part of each day. The other side effects were a bigger issue for me, but the daily pill part was annoying. It's been tough to remember to take my vitamins--and now metformin--each day. I think I am subconsciously motivated to remember now, knowing that it might regulate my system and make it possible for me to get pregnant. But how far can I take that argument? How far is too far?
I talked in my last post about the fear of Clomid. I'm still really conflicted about it. My doctor says that I am free to start it at any point. That "opportunity" has become this huge weight hanging over my head. I had a friend ask me why I wouldn't just take it. It forced me to think more about the whole thing and while I don't feel like I'm any closer to making a firm decision, I am certainly farther from being on board with it than I was. I knew that one of the side effects of Clomid was that a woman's cervical fluid could be diminished. Cervical fluid is so important to getting pregnant, so it seemed counterproductive to take a pill that would make it disappear, even if it did force the release of an egg. One article I read said that it even make cervical fluid hostile to sperm. If slowing them down isn't bad enough, we're now going to kill them!? Again, seems kind of backwards. I did some more reading and it also seems that Clomid is only successful at forcing ovulation for 70-80% of women in the first three months; then after that, it only results in pregnancy for like 60% of those women. That works out to like a 30% success rate for getting pregnant on the drug. Plus, everything I read said that it should only be used for like 6 cycles because some research shows increased risk of ovarian cancer with prolonged use. And the higher the dose (it starts at 50mg/day and can be prescribed up to 250mg/day), the greater the risk. I know lots of women have had success, but I just can't get over those risks! And what happens when/if that doesn't work? Things only get exponentially more expensive after that. Hormones, AI, IVF...all run into the thousands of dollars and many times aren't covered by insurance. And even if we get to a point where we have to choose adoption, that is even so expensive (financially and emotionally).
I don't have the answers. I'm not sure there is any one right answer. I'm praying that I won't have to get to the point where I have to make that decision.