Hi Mike,
I know how you feel. I thought the same way as you, me have the lap band? yea right! I also had no health issues, but like you I am sure they are coming. Well let me tell you, I have been banded for a week now, down 12pds and feeling better everyday! I started at 283, and my insurance also covered it 100%. My thinking was that I have tried every diet, some more than once and I was at my last straw, and then I found out my ins pays 100%, what do I have to lose? If this doesn't work it can be removed. So I feel like I am in win win situation. I can say for myself, I am so glad I did it! But I am also just a week out. Hopefully some other people can give you some insite that have been banded longer than me.
Hope this helps and good luck to you whatever you decide!
Tonya