I can sympathize.
I put off having a hysterectomy for probably 3 years beyond when it was first recommended to me, because of potential complications and not wanting to say bye-bye to all my internal girl bits. I am a very slow decider myself when it comes to major surgery where it's not absolutely essential right that minute.
After I did though, I thought "sheesh, this is great, no more pain and aggravation. What in the world was I waiting for!!!"
So - just saying - it's important to take everything into consideration, but everyone will still have their own point of saying "OK, benefits are greater than the risks here," or vice versa. Facts and emotions both have to be taken into account.
For me personally, I start with the facts and work through to emotions. Others might make decisions the other way around, emotions first and then facts.