HI there, wizzard, and welcome to BoneSmart! Your story is a familiar one. Most everyone gets to that place where half of them wants to dash in and get it done NOW and the other half is pulling back and saying "whoa, whoa"! But mostly what I think you will find people who have been there - read around, you'll find there are many - end up saying they couldn't think why they waited so long!
That's the upside of hip (as opposed to knee) replacements, the joint is a relatively simple one and the prosthesis is so much smaller in comparison to the surrounding body mass than in a knee joint. I say go for it. You will have the same risks of complications now as in 5 years time. And don't be too put off by the talk about revisions and wear. These prostheses are often hardier than folk give them credit for.
Did you see my post in the top of this forum about the lady had her hip replacement done over 40 years ago and is still active and busy lady? The surgeon who did that was the one we have to thank for all the joint replacements as he would not listen tp his peers who laughed and said it wasn't possible!
Also, why not make sure you avail yourself of the minimally invasive surgery option? Do a search for that and see, there's heaps of info out there and in here if you click on the logos at the top.
Just one thing I ask; when you have had it done, do come back and tell us all how you got on.