Get the surgery. Get a job and pay for it by yourself if you have to.  
I saw a surgeon when I was about your age. He said same thing, i.e. that it wasn't that bad and that I shouldn't worry about it. Well, he was damn wrong, and it took me 8 years to get a real opinion - 8 years of looking like a f'ing freak thanks to that dumb doctor's idiotic opinion. 
I think I look way better now after the surgery (and I still have lots of swelling). 
You're about a 6 or 7. You also have large areoli, which probably makes 'em look even worse.