((((Hugs))))
I feel for you-- your post was very interesting to me too b/c I am almost 39 years old with 40 right around the corner.
I think your surgeon is being super-responsible and maybe you want to follow his/ her advice. Give conservative measures one more try... you are very young and maybe you can lose the weight and keep it off with good medical supervision.
Remember: the lap band isn't an easy answer-- it is just a tool.
As a counterpoint, my story is this:
Like I said, I'm almost 39 and weighed 193.6 in the surgeon's office at 5'4 when I went in to see her (Dr. Ren in NYC.)
Though I have to go the self-pay route b/c I have no health conditions, the doc immediately indicated me for the surgery.
I believe the reason she did so was primarily b/c of my extensive weight loss attempt history (been trying my whole life and have lost and gained repeatedly) and probably b/c of my no-nonsense attitude and approach. I happen to be a health professional and she didn't mince words with me. I asked:
Is there any chance I can do this myself-- and she said, looks very unlikely... IF YOU WERE in your TWENTIES, I'd think differently-- but you've been trying for years without success.
See?
What I am trying to say is that you may have an opportunity to get medical help to lose weight and not have to have surgery. The upside is that if you DON'T do well with medical intervention, you'll already be under the care of a bariatric surgeon and can take the next step within the next year or so.
I hope this helps and makes sense...