C.C.
you are right A., agencies are expensive, but there is a security in having a surrogate from a clinic or agency & I think security is a big concern. My sister got surrogate from biotexcom, the treatment is expensive but not that as compared to other clinics, what is the most amazing thing about that clinic is that they refund in case of failure or any complication. But, having surrogate from a clinic or having an independent surrogacy is entirely your choice. I shared my own experience.
Adoption can also be an option, but as I said it's your choice. All you need to take care is all legal formalities & security of you & your child. Hope this helps you. Good Luck A..