Trying to Conceive

So... we're trying to add to our little family.
As much fun as this sounds, it's proving to be less than I had imagined. I'm enjoying being able to experience sex the way it was meant to be, no protection and "finishing" in the traditional manner (previously our birth control was what's known as the withdrawal method). It's a little extra bit of intimacy that's provided a great boost to the number of orgasms I get to have. Which I'm loving!
But the sense of dissapointment we both get when the test comes out negative, and the increasingly regimented times to have sex are getting me down (Him too I suspect).
We were both convinced I'd get pregnant within a few days of trying. A combination of an experience we'd had a few months before the wedding when I got pregnant while on chemical birth control for the first time (and miscarried a few weeks later), and as a reaction to that terror instilled in us as teenagers of getting pregnant if you didn't use every birth control method ever invented : p.
Apparently it's not true...
The next step I can think of is to get some sort of fertility checkup done on the both of us, but my Husband has decided that we should try for a few more months before we start making it a medical process. I agree with his decision in theory, but I'm finding it hard to be patient.
I'm the kind of girl who takes forever to make a decision, and if possible I will avoid decision making like the plague! But once my reluctant mind has shifted into gear and arrived at that decision I expect immediate action! In my mind the decision has been made, so the results should have appeared by now. And if they haven't then they should be helped along a little.
My husband is two years older than me, but in terms of maturity I suspect the gap is closer to ten. He's been ready for children since long before he met me, financially and emotionally. He's just not been able to find someone he was willing to have children with.
For me it took a little longer to get to that place. I'm one of those motherly girls who's thought of having a family since she was a child herself. I've been cooing over babies and toddlers for years, and I've been getting the clucky urges since I was 16 or so. But I was never confident enough in my abilities to care for a child, or be responsible for someone elses mental and emotional wellbeing. My Husband has gradually increased my confidence in my abilities, both professional and personal, to the point where we both thought I was ready to have children. And for that (among other things) I am immeasurably grateful.
So why, since it took so long for the right circumstances to line up, have we not conceived?
It's the unanswerable question that I'm trying desperately to answer...