Self pay here, too. I was blessed to have the offer of zero percent financing from someone who loves me! Was banded on the 22nd and am still having a little abdominal pain from incisions, but nothing that I can't walk through. I decided that it was a good investment of my income when I considered my ability to see my grandchildren grow up. I want to be the Grandma who participates, who goes and does and who is a happy part of their childhoods. That, for me, is priceless! And compared to the amount of money that I was spending on tearing down my temple, it's not all that expensive.
Hope you find a peace about your decision, I did!