GH.. it seems you have figured out the cost, the risk of losing your mare or losing the foal, you could go and purchase a foal by the stallion of your choice, but the con to that is the dam would not be your mare. You might be able to find a yearling or 2 yr old that is registered with bloodlines that you like. You could also save one from auction/slaughter .
Someone had commented that it was no ones business, which seems quite odd, as you posted the original comment asking for opinions. Good luck to you , in whatever decision you make.