If money is not a problem, then go straight to IVF, but don't expect success in one cycle. Budget for 2 cycles.
However, given that you have had previous success and miscarried late term, that means your whole system is go, and you can find success naturally. Most importantly, you are still young with a very manageable FSH.
If I were you, I would do medicated cycles (a lot cheaper than IVF), Clomid, injectables on low dose, and try to get no more than 2 follicles going each time for a year. Your recent loss was just a matter of bad luck and not indicative of your egg quality. If you cannot find success within 12 months on medicated cycle, then I would move ahead to IVF.