A couple of things. #1 is that it IS A REQUIREMENT for a surrogate to have had AND be parenting (or raised/child is an adult on their own now) at least one child. That alone disqualifies you. You have zero idea if you can even get pg, let alone carry a pg w/out issue. IP's are spending 10's of THOUSANDS of $$$ and sometimes HUNDREDS of thousands of $$$ when they get to the point of surrogacy, and to expect them to spend that kind of money on someone who is a risk is selfish, quite frankly.
#2, to say that you would be "crushed" if you didn't qualify is a HUGE red flag that you are nowhere even near ready to pursue being a surrogate. You need to remember that surrogacy is NOT about *you* (this means ALL of us in general, not just you specifically) and what you want or that you feel you *have* to be a surrogate, etc. This is about the IP's and their child/ren. This is about creating the least amt of risk for them, the baby and the surrogate. This is about putting someone else's NEEDS before your WANTS, and knowing and being respectful enough to step back if you're not qualified at this time. Trust me, surrogacy isn't going anywhere for a long, long time, so have your family and complete it 1st, then look back into being a surrogate. If you are emotional enough that you'd be "crushed", surrogacy really isn't for you until that has been dealt with.
#3, I think your Dr is spot on about talking to someone now, HOWEVER, another REQUIREMENT of surrogacy is that you have to have a psych eval done, and not just by any psych., but by one that is familiar and knowledgeable about surrogacy/3rd party reproduction. You take either the MMPI-2 or the PAI assessment test and meet w/the psych, potentially alone and w/the IP's. (DH and I only had our individual psych evals and did not have to do one w/the IP's as well) Based on your post and the fact that you have not had any children, you would not pass this part right now.
This isn't meant to come across harsh (which many people take things wrong when it's not what they want or hope to hear) but to express the seriousness of surrogacy and the importance of meeting and FOLLOWING all of the criteria when looking at becoming a surrogate. You also have to be 21 or older, financially stable, can NOT be on any type of govt assistance (Medicaid, food stamps, housing, etc), have a strong support system in place in addition to the requirements of having given birth/raising that child, psych eval, background checks (some do financial background checks too), medical screening, drug/alcohol/nicotine screening, etc.
I would strongly encourage you to take the next several years to do lots of research and have your family, so that when you are qualified to move forward, you'll be a huge asset to the IP's you match with, and be informed enough to help answer some of their questions as they arise. Also, start becoming familiar w/your states laws regarding surrogacy and how they handle things legally, to ensure the parentage is handled appropriately. (there are states out there that don't have specific laws...MN is one...but there ARE legal precedents out there for how the courts handle it. Some states have very limiting laws, borderline making it illegal to be a surrogate, some have incredibly restrictive laws)