You really have to do what you think is right for you. I know my weight issues started in my early 20's, when I got married and stop being active and that roller coaster ride with the weight is awful. I am "slightly older" than you :-), but serioulsy I felt the same way just so drained from my weight being a constant issue on my mind every single day.
I did this too be healthy now, wish they would have had it when I was younger because I missed a lot of years just living, because of my weight. In your heart and head you know what is going to make you happy. It is a risk, life is full of them. I pray and leave it God's hands, but I wanted off the roller coaster of weight gain.
Good luck I hope everything works out. My BMI was 34 and it was way lower post baby, but I gained the weight back and didn't want to start that all over again.