Not to mess things up too badly, but I would point out that children are a 20-25 year commitment, and they will consume a substantial portion of you resources. The SRS is a one-time cost, and once you complete the transition, you will both be ready to have the children you want, without having to feel that you are sacrificing your SRS for the children, or that your SRS will mean that the children are being somehow deprived.
Private adoption of a healthy white infant is usually very expensive, and even though you might pay thousands - the birth mother, by law, gets nothing, except maybe some prenatal care.
Meanwhile, there are often thousands of children, some a bit older, different races, and some with health issues, who need your loving care so much more, and in many cases the state would even pay you to care for them or even adopt them.
The surrogate option is also good, but is often only slightly different from adoption. Especially if you don't maintain regular and constant contact with the surrogate while she's carrying. And she always has the right to change her mind even at the last minute - and give you your money back so you can start over.