I'm in the same boat. Our February cycle would have meant a Oct 30 due date. We decided to take a break so nothing for me. The earliest I'll have a baby will pry be February or March next year. Blows balls. Now I'm just hoping to get pregnant in 2013 .....
I hear you. Last November, DH and I had already been trying for 4 months, and I was really annoyed/frustrated with him that he didn't think it was a good idea to increase our health insurance for better L&D coverage for this year. Turns out he had it right all along.