hello - I'm a 29 y/o female - decent health myself, most of the time! I had my gall bladder out 3 years ago...after years of stomach problems, they finally checked the gall bladder and it was full of stones. It was a relief to know there was actually something wrong with me, but tough, bc I was also told I could hold off on surgery if I wanted to...luckily, I found a gastro who basically told me it had to go to avoid infection and/or blockages. While my surgery brought great relief, I don't think you are having too many issues dealing with yours...but, that being said, I would say take it out. It's not needed, and the surgery is very simple, minimally invasive 3-4 tiny scars, and you typically go home same day. Only in some extreme cases do they end up having to go in the old fashioned way which results in a hospital stay. For the most part, you are up and running again after a week. I did have issues after my surgery with bile dumping after I ate, but it eventually went away, and they have meds to help if you do have that problem - not everyone will. It really won't be too terrifying, and I think the results will be worth it, especially if there is a risk of cancer. In my opinion, it's never worth the possibility of dealing with cancer later on. (I have also had a cancer scare recently myself.) You got a lot of life to live still, and this surgery will help alleviate the what-ifs. Sometimes it's those surgeries that end up saving our lives. My cancer was found after exploratory surgery for endometriosis...and it was so uncommon and in such a weird spot, that even my gyno was shocked...and had I not had the surgery, it probably wouldn't have been found until it had a chance to fully develop (it was late stage pre-cancerous cells) and spread, rapidly...that surgery saved me a lot of heartache down the line.
So, it may not be very accomodating to think about going through the surgery, but it may turn out to be worthwhile. I hope that you are able to make your decision and take the burden of the decision off your shoulders. And as far as surgeries go, it should be relatively quick and somewhat painless...I hope.