Wow, Pam. I agree, you've certainly had enough happen to you this year. I'm sending you a big hug from the east coast hon.
Yeah, I think you got it right SK. I learned in school that a lipoma is a fatty tumor under the skin. They don't usually remove them unless they create pain. Otherwise, it's considered a cosmetic type of surgery. There usually aren't easily definable edges to these so even if they are removed, they can come back. They typically would have to take extra tissue around it to make sure they got it all.
Now cycts are a bit different and that's good news. They have definable edges. They are non-cancerous and have a kind of sack-like membrane around them. When they go to remove them, they know they've got it all. So Pam, if you're gonna have to have something there, that would be my choice I guess. Easier to deal with.
I hope for your physical as well as financial well being that they can get in there this year yet and take care of it. Keep pushing those docs. There is always OR time open. Make them work for that holiday break!

Good luck to you dear and let us know what's going on. Take care.

-X.