I didn't have a chance to read through all you posted because I'm at work (trying not to work, LOL), but I think I've got the basic idea of it.
I'm the wife of a CFer, so I too understand where you are coming from.
No it's not crazy for you to change your mind and it's completely resonable and human for you to desire a baby.
here's what I told Mark (my husband) one day regarding children and the possibility of him not being here. I told him, "I would rather have a piece of you left here with me when you are gone from this earth". Some say that sounds selfish, and it might be, I guess that is up to each individual. But we have 3 children and both of us coudn't be happier and wouldn't do anything differently.
Would he be at all willing to talk to another guy with CF who is a father, or at least read another family's journey? I've got our own journey, along with a few other families on our website, www.cysticfibrosismaleinfertility.com
To answer a few of your questions, YES, most companies would cover your carrier screening because of your DH's CF diagnosis. You might have luck talking to his CF doctor about it (depending if you have an HMO or PPO), or getting an appointment with genetic counselor. They have a lot of experience getting insurance companies to cover this kind of stuff.
There are also IVF scholarships. Check out www.inciid.org I was actually selected for a scholarship back in 2006, but I was already pregnant so it went to the next person in line. They would have covered everything except the sperm retrieval, which was only $600.
I'm happy to answer any qeustions you might have, as is my husband for any questions your husband might have.