There is Always going to be an excuse not to do it. I have 4 children all in travel sports and could use them as one every time. If you feel that the surgery is going to change your life for the better, then take the leap. But it sounds like you want people to say wait. So if there really is all that conflict and you know your insurance is going to cover it come the new year, then by all means wait. But what if you really do want the surgery and wait for all the other little things to work out and your insurance changes and you will no longer have the surgery covered?
That to me would be worse case scenario.