Welcome (soon) to the club.
I'm going to speak for a LOT of other people and say that the VAST majority of us "stuck it out" until the pain was so debilitating that we finally pulled the trigger. I'll bet there isn't a single person who, after the surgery and recovery, didn't say to themselves "I wish I did it a year earlier". Not. A. One. Also, I was 44 at the time of my first surgery.
My issue was similar to yours, and tennis ended up being my downfall as well. I moved to the Atlanta area where tennis is basically a cult, and started playing 4-5x per week. What had been an intermittent pain problem with my hip got worse and worse. I would be in constant pain for a few days, then have a few pain free weeks. This ratio changed over time, where the pain periods were longer and the pain free periods were shorter. It got to the point where I would have a few days off, then 10 days were I couldn't sleep.
Fun fact: I ran 4 miles, pain free, the day before my surgery. Talk about messing with your head! Constant thoughts of "Do I REALLY need to do this now?" But then, I would just remember what the previous 2 weeks felt like, when I had to sit down in Kroger on the end cap of black beans because it hurt too much to stand.
My other hip also showed signs of degeneration, but was not symptomatic. I got another 9 years on that one, and just had it done 5 months ago. I did NOT wait as long on hip #2, as I knew the benefits.
I haven't had shoulder surgery (though I could probably use it), but from everyone I know who has, the recovery from this surgery is a cakewalk compared to that.
Ease your mind. A year from now it will be a distant memory, and you'll be back to 100%. Best of luck to you!