Hello girlies!!
Arabsrcool - I believe you're monitored 2 times for FET or possibly more, depending on how your body responds to the medicine. So definitely less than a fresh IVF cycle. For our first IVF cycle which resulted in our DD, we transferred 3 embies on Day 3. For cycle #2, we transferred 2 embies on day 5 (which seems to be the preferred day), with a BFN. Our RE always transfers one more embie on a FET than a "fresh" cycle, so we're definitely okay with 4.
Penny - Yes, this is our first FET. I feel like an old pro at the fresh IVF cycle now, so the FET seems weird. We're just hoping it works.

Oh, I LOVE puppies!!! Congrats on your new family member. Our dog, Maggie, is just precious. I love her oodles.
rlk - You're definitely not being irrational. Some of these decisions are so hard, and sometimes there is no right or wrong on making a choice. I would go with whatever you are comfortable with.