That is an interesting question. But what if the man himself wanted to donate the sperm to the surrogate mother instead of you?
Will you argue about whose sperm is going to be used for the conception? Or may be you could have two children, one from him and one from you!
Now this is really serious question. The sperm bank costs money and the surrogate too. A lot of money!
I tried for almost 3 years to conceive with the birth mom of my daughter before she did stay pregnant. And I waited for another year and a half after my daughter was born before I went on HRT.
I could have started transitioning when I turned 30 but I had to hang in there for another 4 years. The in vitro fertilization has no guarantee. People go sometimes for 2 or 3 times until they conceive. Each time $1000 minimum charge. the Sperm bank is about $450 a year after the initial set up charge.
I did not have that kind of money is what I was trying to say.