There are many Mumbai hotel strategies.
One strategy is to not get sick - which means watching waht you eat. This strategy is better executed by either staying at a more expensive western hotel, or at least eating there often.
Another strategy is to stay at a more expensive hotel for the first few days, get used to the local environment, and then move to a more local hotel. It can be, however, psychologically difficult to downgrade.
A third strategy is to start at an economical hotel for the first trip, and then use a more expensive hotel when the baby arrives. For the first trip (egg transfer and retrieval) you probably won't spend as much time at the hotel anyway, and will probably spend more time visiting local sites.
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