While I am not in my 20's I would comment that I am 10 months post vsg and I have lost 75 pounds and I believe the surgery was the single best thing I have done for myself. I believe it is absolutely worth it. Having said that I would give one word of caution- the surgery is merely one tool and not a magic pill that will fix everything.
There are behaviors I had to address- stress eating/using food to manage my emotions- I started to crochet/ journal and do whatever I needed to do to address the underlying reason for my overeating. I am actually a physician and I have patients who have gained back the weight so it is a real issue but I also have patients who have been successful. The main difference appears to be whether you are willing to do anything to improve your health. I get up at 5am to work out and I usually work out after work also. I use lose it app and document everything I eat regularly and I will do whatever else I have to do to continue to succeed. I was desperate, everything I did failed and I will do whatever I need to do to succeed.
I wish you the best and I believe if you are desperate enough to pay out of pocket for your surgery you are desperate enough to make sure you are successful after your surgery. As for your significant other- I have found that all of my relationships have changed because I have changed - I am willing to speak up for myself and set boundaries more than before and I know myself better so I know what I do and do not want in my life. If he loves you he will come along with you on this journey as in this life we are all evolving- we stop moving when we die and it seems like you want to live!
Good luck and happy holidays!