do you have any of the health issues ? diabetes, sleep apnea, high blood pressure, etc? OR do you have issues moving around ?
I don't have a lot of the health issues but i do have sleep apnea and had a hard time walking around. now after surgery and loosing almost 50 lbs I can now walk all over and not get tired or sore from just walking around. it's just one perk to it. also you will have that tool the rest of you life and it will help to lose weight and keep it off as long as you eat what you are supposed to.
for me it was totally worth it... tried everything before it and this is the one thing that has helped the most. so if you can afford to pay out of pocket i would do it... it will make your quality of life so much better