I'll probably just do MS since for me IVF/PGD turned out to be a nightmare of costs. My RE wanted 21,000, even though he quoted me 15,000 the first day I walked in there. He got his money he wanted through the tests he had me go through then dropped me the 21,000 quote. 
I'm just wondering what MS alone would be through a collaborator. I called one by me today,but the lady I needed to speak with wasn't in. I'm crossing my fingers and really hoping on this. I'll take the 12% risk. I just want to try.