A friend of mine struggled with a bum hip for years. Had hip replacement surgery several years ago, and has often said since having it done that he wished he'd had it done sooner. If you're gonna have it done, winter is a great time... recovery and rehab should have you ready to hit the links within 3-4 months.
Of course, the financials can't be overlooked. And not every experience is one in the same. But his quality of life increased significantly. Wishing you the best, whether you wait or have it done sooner rather than later. Most people have positive reviews after having it done.