Is this worth the money?
Have you sat down, looked at your finances, and made sure you understand what this is going to mean for your finances. Will you need to take out a loan to pay for this? Will you need to use a credit card that you’ll pay off over time? Can your credit score handle that? Is it either this, or the car you really need to get around for work? Is this surgery worth giving up that car (or other thing you need/want?)