Uncomfortable with IUI, Need Advice

Hey y'all, am I being overdramatic/selfish? My husband and I have started to seriously discuss having children. Since I'm trans (MtF) and he's cis we'd have to either adopt or go the surrogacy route. Since I've been on hormones for a while now I'd probably have to go the IVF route if I want a biological child. My husband wants to go the IUI route, which is less expensive. It's basically the turkey baster method. He's hoping one of his friends would be willing to donate eggs and/or be a surrogate for him. I was 100% on board, but the more I think about it the more uncomfortable I feel. I'm just not comfortable with the idea of either one of us putting our baby gravy in someone and letting it sit in there. Especially with someone we know. I have no issues with IVF, but IUI just feels different. I don't know how to bring this up, and I'm scared to. Any advice?