I know it's easier said than done, but don't let fear rule your life. Don't think of the what if's...you have to stay in the now. Cross a bridge only when you come to it.
We have been trying since August 2007. Nothing is wrong physically except my age. I have 2 months to conceive before my chances of becoming pg get pretty slim.
My insurance covers 3 IUI's, so I have exactly 3 chances left to get pg. There is no plan C. DH and I don't play "what if..."
We will cross that bridge only if we have to.
I know it's hard, but don't let the fear consume you.