Hi, I'm 39 and had a tubal ligitation four years ago when I was thirty-five about a year after giving birth to my second and final child. My sister had an 'Oops' so that's what spurred me on. I'd always had it in the back of my mind to do a tubal once I was done having a family. It was the best $150.00 I ever spent, lol. The insurance company covered the whole cost except for the surgical fee which was the abovementioned amount. I didn't have any of the issues you had so my situation is a bit different. I was on the pill for ten years with two breaks while TTC and I was tired of taking it. My DH has a pre-existing health problem so him getting 'snipped' wasn't an option. It was same-day surgery. Now, I'm not gonna sugarcoat it, it was painful afterwards akin to having given birth. But after one week I was back to normal. A few days later, the stitches came out of my navel and doctor gave me the okay to resume 'normal activities', if you catch my drift. It was, by far, the best decision I ever made. Good luck to you and hope this helps.