Do it like a business transaction, benefits versus issues, left side/right side. But keep in mind that we recover much slower after 50. I needed 18 months to recover from an elbow problem. 18 fricking months. In my twenties, this should have been sorted in 3 weeks.
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18 months! Damn! I won't do it if the risks are too high - because I have enough issues already. Though, the risks of not getting it sorted aren't great either.
In the end, It is all about your choice. What we could do 20 years ago is not a choice anymore now, it seems.