Using the "pull out" method for a year with my girl for contraception, you guys say its v. Ineffective. Should we test our fertility?

Fertility. If you want a baby & the responsibilities that entails, continue your "pull-out" method; eventually, it will fail & you'll get pregnant. If, however, you're not ready for pregnancy, use condom, birth control, iud, or other contraceptive method.
It can be effective. Although many people joke about the withdrawl method being ineffective, according to findings in 2009 from the guttmacher institute, withdrawl is almost as effective as condoms. With perfect use, 4% of women will become pregnant in a year; and with typical use, 18%. Not the best method, but not "very ineffective.".