I'm glad you are a golfer. I golfed this weekend, the best I have played in quite some time. I am thinking that it is because I wasn't worried about my stance or my backswing or the million other things we seem to think about, no, I was thinking about the surgery and like you my first fear was the financial part the insurance won't cover and being off of work and having my family pick up the slack. I also kept thinking about how good I was (I was pretty awesome in my mind! ha, ha) and will I be able to remember after surgery and the healing what all I was doing right with my game and will I be able to step back in and play that good ever again. The one thing that I enjoy most about playing golf is being outside and getting to see the wildlife and the flowers. We golf next to a lake and when we played last week there were two mother deer with 4 babies that we watched out playing like little puppies. That is something I can always enjoy even if my golf game sucks.
Take care and keep playing.
Peace, Ted