A.C.
Get a second opinion from another doctor, would be my first bit of advice. If it's going to cause bigger issues down the road, get it done sooner rather than later. Younger children tend to be able to move past things like this faster than an older one, maybe it's the awarness of what's really going on.
A male friend of mine had to have his done at 20 for medical reasons. He said it was EXTREMELY painful by that time. HOWEVER, he said that once it had healed, it was the best decision he'd ever made. He also said that while sex felt different, it wasn't any less sensative. He said it kinda compared to the difference between wearing a condom and not wearing one. It still felt good ... it just felt different.