I had surgery last August 24th and my BMI was 33 and I was discouraged from having the surgery by family and friends who said "you don't need it". By January 6th I had lost 60 lbs and now I have lost 69 and my BMI is 22 and I couldn't be happier. Some of my family and friends now tell my "you're too thin" but mostly people tell me I look great. It is the best decision I've made and I'm off my diabetes medicine and most everything else I was taking before I had the surgery. I too was self pay and it was a lot of money to spend, but I would do it again in a heartbeat! Good luck with your decision and I hope you do what YOU feel is best.