I weighed a bit less, and considered off-off label. Decided to go forward and self pay because I too have lost 40 lbs 4-5 times over the past 25 years. Tried WW (lifetime member),WL drugs like phentermine multiple cycles, and followed diet and exercise...but it always crept back on. I looked at my parent's and sister's weight problems, and the yo-yo pattern for the past decades and knew that it was time for something else. I researched on my own and decided to go forward, my mom had her lap band done about a month later ( she did have 100+ to lose), and my sister just had a sleeve plication (probably about 50 to lose) procedure done last week.
I am a year out and very glad that I went through with this. I am sure there were many that would say it was too extreme and that I just needed to exercise and have more will power. But my will power was terrible and I was ALWAYS hungry.
It would be nice if insurance lowered their criteria to a lower BMI so more people that are genetically inclined to be overweight or have other health issues could qualify.
If you have done your research and you think that this is the right thing for you, then go for it! Good luck!