I was "too young" too (mid 40s).

You'll know if and when it's time. For me it was a question of continuing to be miserable (after having done everything I could to avoid surgery) or having the opportunity to be able to sleep, move, and sit again with less pain.

I'm a better partner, friend, and employee now. I might get shot down for this, but surgery really wasn't all that bad. PITA, yes, but given the result I'd do it again.