Quoting P3RvYmCp3rv:" /sigh I guess time to do my research. SO and I just had a conversation about this. He doesn't want me ... [snip!] ... I don't want to risk doing this again. I can't do this again. I can barely handle two kids on my own. How would I handle more?"
This may be true, but the fact is that IUD's have almost the same failure rate as tying your tubes. This means doing an IUD is just about as effective, but isn't permanent. I know my OB offered me that. If you just can't handle more NOW, maybe an IUD is a great option for you. Getting your tubes tied is a major thing and you don't want to go into it because of fear or other emotions.
I know after having my daughter (preemie) I wanted to get it done. I was so upset about it that I just wanted my tubes tied because I couldn't go through that again. I am not glad I didn't because I know have my son. It wouldn't have been the right time to make sure a drastic choice.
I think you should really think it over. The fact is that if you REALLY want it done, getting an IUD and giving it a few years won't hurt but WILL give you time to really evaluate it.