If the cycle is artificial/hormonal anyway, you can really plan the whole protocol and you would only have to go to the clinic twice. Some clinics also offer a postial semen sample collection service, but this is usually more expensive than the journey itself.
About adoption: (no in-depth knowledge, just picked this up) I don't think there is an official maximum age, the recommendation is 40. Various things are taken into account, such as finances, health, environment etc.. However, it is indeed more difficult to adopt a newborn the older you get. On the other hand, an older child would be more likely, because then the recommended age of 40 can be adhered to.