Hey Larry, welcome to the board. As lop and Danny have mentioned, it's not always about pain, but other symptoms come into play as well. Dr. Rector seems to have a good reputation and several posters have used him with good results.
I guess the question is whether you want to wait until the pain does come, because if you are bone on bone, it will. I waited until then, to the point that one of my hips was dislocating at will (had to pop it back in a few times a day). You have to make your own mind up on this, we all came to it at different times, but in my opinion, if your doctor is saying to go now, and you know it's bone on bone, then (IMO) you are ready to go. It's your decision when to go, and you should do it at your own pace.
To me, by the time you're bone on bone, you've hit the point where the bone is being compromised by grinding. Simple physics tells you that the grinding will cause friction and bone loss / reshaping. The good surgeons can compensate for this with bone grafts, etc., but if you're going to do it anyways and you are at the point of the bone being compromised, waiting (again IMO... ) just adds to the complexity of the operation. Too much waiting makes you less of a good candidate, at some point tilting the decision to a THR.
Like I said, though it is your decision and yours alone. I'm very happy with my bilateral resurfaces, but you should arrive to this at your own pace.