This is the best argument against early egg retrieval. If it were just a matter of money, the argument holds. However, the treatment involves pumping you with hormones that make you feel like crap the week before and after. Almost daily bloody draws are involved.
Then you add potential complications from anesthesia and the egg retrieval itself, and you have a net negative expected value.
The first time my wife underwent egg retrieval, the surgeon accidentally pierced her ovary. She has had pain on that ovary since.