Paa_Paw is just oozing with wisdom here. Very cool to have young and older people all meshing so well about an issue that holds us all down. I can tell you that there's basically two choices for somebody who feels like you and I do, if you lack confidence. Get the Surgery Rep, or put life on hold. The problem, is that you now KNOW you have a big scary (and $$$) choice. If you had grown up ill informed, with basically zero options, then it wouldn't be ticking at you that you're not doing anything about it.
Fact is, people here are saying time and time again that they put it off, only to do something about it later. Its awsome that they did something, but sadly choices were made in the mean time that maybe would have been different if they had the confidence. Little things and big things. Some may have taken a shot at that special lady, but missed their chance. Others may have been lucky enough to already be with that special lady, and made her suffer with them due to personal insecurities.
I'm speaking from experience. I'm still very young, and God willing I have a full life ahead of me with my wife. But when I was just 17, and she 18, I started dating a beautiful girl, in fact a beautiful model. She was perfect in every way physically, and I was not. It was obvious that I was into her looks, but I looked deeper, and in return, so did she. She saw in me something better than my looks, long story short, we've been married for a few years and she has my first born in her belly right now. Sad fact, is that even though I managed to score the girl, and she was so hot, I put her through hard times because I wasn't dealing with my Gyne. Basically, she's perfect to be laying out at the beach, playing around at the water park, swimming at the pool, etc. but she didn't get to do ANY of that because of me. It took me a very long time to learn how to not cope, but ignore my gyne, and it bugs the crap of me to this very moment sitting here typing this. But I'm absolutely positive that the moment the funds are available, I'll be getting this surgery. Not just because I'm selfish (which we all are to a degree), while I'm about to have a little boy to spend money on, which I dont have much of to begin with, but because I dont want HIM to suffer like she did.
All I'm getting at, is you're thinking about getting the nerve to ask a woman out, and this is holding you back. So what happens if you get that girl, and she'd love nothing more than to lay around at the beach, both in swim suites, resting her head on your chest??? That's pretty romantic stuff... till you factor in a dude who wouldn't be caught dead with his shirt off. Kind of the deal breaker on that one you see? You're 38, so wouldn't you like to say that all through your 40's you lived a funner, more liberated life than in your teens, 20's and 30's put together? Your cat will understand