Yes Fleur is definitely in a different situation than most, for a start if she wasn’t able to afford private healthcare she would have had to wait until after three miscarriages before any tests would have been considered.
However I do think being unable to have a second child exactly when she wanted will have come as a huge shock to Fleur since she seems to have been able to meticulously plan almost everything in her life. I have watched Fleur since she first started YouTube and what Fleur wants, Fleur gets. Even when she decided to start a family, she said she felt ready and then two weeks later she was pregnant. She wanted the baby to be a girl and it was, and she even planned down to the date when the baby would be born. I have experienced baby loss firsthand so would never wish it on anyone, but I hope it has humbled her in some way and made her realise how incredibly, incredibly fortunate she has been throughout her life so far.