I am also self pay and will take out a loan for my surgery. It is a little nerve racking to think of the debt I am putting my family in but I believe that the long term rewards (ie: being healthier, feeling good about myself, and being able to keep up with my little ones) is worth the short term inconvenience of having to cut back on spending. I hope you can relax and feel confindent in your decision.
Congratulations and I wish you a speedy recovery.