Looking at private parts for pregnancy

In the country where I stay, if a woman is pregnant and she goes to hospital, she may be assigned a male gynecologist. The only way to be sure to have a female gynecologist is to look for a private practitioner that is very expensive. These are my questions: Per fiqh, in this situation, if a man cannot afford a female practitioner: 1. Is he allowed to make his wife pregnant or should he use contraceptive methods so that his wife doesn't fall pregnant so that a man does not see her private parts. 2. Is it not mustahab for him not to have children until he becomes financially able to get her a female practioner because if his wife gets pregnant, a man will see her private parts My questions is based on two pieces of knowledge. First, as far as I know, looking at the awra of a woman is not allowed by a man unless the woman's life is in danger. Secondly, as far as I know, having baby is not obligatory.