Thanks, LT. I am leaning towards doing it yes and it is scheduled for Dec 5 even though I am not 100% sure yet. I can always cancel if I change my mind. I really don't know why I have such anxiety about this. Maybe because I can't just make the decision and then let it go. I keep thinking about it like a broken record in my head. Or maybe because I still haven't accepted the need for it.

At least it will not cost me anything this year since I've met my max out of pocket....