These are my thoughts, coming from a patient going through a revision from Lap Band to Bypass...
If you ultimately go with Sleeve, you may encounter complications like GERD years down the road. This is due to the Sleeve being a high pressure system. The high pressure created in the pouch puts pressure on the esophageal sphincter and causes it to fail, which results in GERD. It often takes years to manifest, and when it happens, it ultimately forces your hand to revise to Bypass. That's my current situation. When I got Lap Band, I was scared of Bypass. But as I've investigated more about Bypass, I understand now why it is the Gold Standard of weight loss surgeries. It's been around longer than other weight loss surgeries, so it has been perfected over the years. I wish I would've chosen Bypass from the beginning and saved myself a lot of unnecessary complications and I never made it to goal weight either.
As for being self pay, and Bypass costing more... imagine a few years down the road having untreatable GERD and having to have a second surgery. So think of the increased expense of Bypass now as an investment if you choose to go that route.
If you're having doubts about your PCOS causing cravings, Bypass might help to keep your eating on track, if you're a patient that gets dumping.
I'd say you should trust your instincts.
Best wishes on your journey!