I would rather have a DR that may seem a little over the top than my old DR who basically told me everytime that I was imagining things (one of these times I ended up going to the hospital because I had mono that she wouldn't diagnose) Or when I went for my knee and she told me there was nothing wrong with it and I went to a specialist and turns out I had three minor tears in my knee.

I really think you should go for the surgery. I know it is expensive but this could mean the difference in your health. If you are concerned that he is just in it for the money then seek another opinion but definately see someone about this.