I have not made up my mind, and actually would prefer a surrogate in North America if I can find a way.
You say the benefit is that your US state will have protections for the IPs, but there have been cases in the US where the surrogate moved to a different state which lets her keep the child, and not make her return any fees (Michigan among several other states).
You mentioned Canada, but that seems out of the question as you can't pay a surrogate in Canada, so unless I want to go up to random women on the streets in Vancouver asking if they want to have my baby for free, I don't have many options there.
What its coming down to is come up with another $80-$120k (perhaps $5k or so less if I bypass an agency), after these fertility clinics have already milked you for $100k with no results, by getting a 2nd mortgage on my house, clearing out my retirement accounts (and taking a huge tax penalty by doing so), selling anything I have of value, and not still getting any guarantees. Or paying $35-45k to an international agency, and being able to retire before I'm 85....