This is exactly the conclusion I came to, which I wrote about here: https://psiloveyou.xyz/true-love-can-wait-but-fertility-has-an-expiration-date-29d59667631b

By the way, I'm so glad you're getting started now - I'm 40 and just had my second insemination (we call it pollination) with my wonderful donor. He's fantastic - everything I want in a father for my children! I hope you find a great donor, too!