I don't know what the going rate for surrogates is, but 45k to contribute to that circus and with all the restrictions is way too low, imo.
This rate was a standard rate almost 17 yrs ago, I would have thought it would be more. I'm also thinking that a surrogate would received or could receive more in the way of quote unquote gifts. I know from personal experiences that you can give your surrogate what you want to, or what the parties agree on. Going back 16 years or so a surrogacy contract could be what you wanted it to be financially. Of course if you're going through an agency you have to go with their guidelines. But you don't have to go through an agency and you can do your own thing.