Hi Mangojoy. Rest assured we were all at the decision point you are now. Pros and cons, good and bad, fear of losing the pleasure of eating, vagaries of insurance coverage vs self-pay, hoping against hope that a "fat-burning" pill would be invented, all the while lugging around all those extra pounds and kidding ourselves that anything was really going to change until we took control of the situation.
I have been a fat person all my adult life; people never called me that, except my drunken trailer-trash neighbor, but I knew how they regarded me. I always compensated for my shortcoming and I always found comfort in my "friend", food; lots of food. I knew about the lap-band as far back as 2001, but I kept putting off a decision.
At 364 pounds, I knew I was headed for a heart-attack. Finally, with the the necessary push from my dearly-beloved, we attended a seminar, watched videos of people my size, before and after, and I listened to their stories of life after being banded. Suddenly, I knew what I needed to do; from that point 6 weeks ago, my life changed. I went self-pay, but I was able to qualify for financing from Capital One Health Care Finance; rates are reasonable, terms of up to 4 years, similar to buying a $15,000 used car and paying a monthly note. The expense was and I hope will always be money well-spent; you have to ask yourself, how much are you willing/able to spend for a much happier and longer life?
As for eating, I don't feel the least deprived; my tastes have changed since my surgery 9/13. I'm not sure why, but I'm preferring healthier, lower-fat choices and my portions are way, way smaller than before. I'm walking several times a weeks, distances increasin as the punds fall away. This old dog is learning new tricks as far as nutrition and diet are concerned.
The results speak for themselves, see my ticker. I have my life back in control; nothing is going to stop me on this journey to "normal" size. Before the lapband, I was helpless and hopeless, but not anymore.
I encourage you to continue doing your research, consult this board and any others you find, post your questions and consider all your options. My best advice to you is don't wait five years like I did before reaching a conclusion as to what you want your future to be. The worst decision is indecision.
Should you decide to travel out of the country for your surgery, make certain you have lined up post-surgery support (fills) locally. The surgery is merely step one; the key to success with the band is discovering the "sweet spot", that amount of fill which both allows sufficient nutrition while providing the restriction all of us want and need. The purpose of my lapband is "to protect me from me".
My sincerest best wishes to you, whatever decision you make regarding the lapband.