I conceived my three children right after stopping birth control (I was young, that helps), but I often think nowadays what it would be like to remarry someone extremely supportive - supportive enough to stop the meds temporarily - and try for a child. I doubt that at 40+ it would be so easy-breezy for me. When I think how months would go by with no results, I picture a high level of stress. And despair building up.

The stress of unemployment is not imaginary for me - I have just been through 6 months of joblessness. It is very high stress. And despair building up.

So you have got two biggies, I think. This predisposes you to situational depression. All the more important to follow the tips on this thread not to let the bad mood turn into depression.