I was told by the PA on my first visit to my OS a couple years ago that I would know when I was ready to have the surgery. At the time it was my right knee that was the problem. She was a straight talking woman, much more so that her boss, my OS. She said there is no cure, the knee would get worse over time, they could give me shots to help, but no cure. When I had my surgery scheduled for the right knee, one fine day, my left knee, which still had some cartilage, blew up. I talk about this in my thread. I made the decision to get them both done, but the doc wouldn’t do it. I found another surgeon who would do both, and I was on.
The thing is, before surgery I was crippled, on a walker, and nearly housebound. Also discussed in my thread. I hear what you are saying with the dilemma you have - it sounds like you have your life back, and you are asking yourself, if it ain’t broke why fix it. I feel for you also re the insurance issue. When I was your age it was pre-Obama care and insurance for me alone was in the $1000 a month range, and I was self employed.
I don’t have any answers but I did want to chime in with an understanding of where you are coming from. You are able to work and function - fabulous at 9mos out. Could you start a savings plan to cover the deductibles? Put x amount aside every month? And just keep doing what you are doing? Just a thought.
Anyway, please keep posting about your wonderful recovery. I am two months behind you and love reading good stuff like yours.