As a person who has worked in busy intensive care wards, who has managed patients in the ICU as well as in surgery, all I can suggest here is that the people who will be with you...are highly trained.
Real life healthcare has very little to do with what TV and movies would portray...my wife (an RN) and myself (a respiratory therapist) literally cannot watch any of that without picking it apart. We are very quick to chastise the medical advisors on these productions. But...I digress.
As far as surgeries go...gall bladder surgery is one of the more simple ones. So, from that perspective I can say that risks are very low of anything "unforeseen" happening. Furthermore, your surgical team all have licenses...and if you hold one of those licenses, you want to protect it. From that perspective, if someone is a "high surgical risk" in terms of poor outcomes, they may choose to not perform that surgical procedure. They do have the right to not put themselves...and the patient...in that situation.
Now...as a healthcare worker, as a person of science, I have an understanding of what goes on in surgical suites, I understand what can go on, the risks, the unforeseen events, etc...my opinion goes mute when it comes to how YOU feel about letting go, putting your life in someone else's hands. That cannot be underestimated nor under appreciated. It's a scary thing. Personally, I deal with "non-elective" surgical procedures...in other words..."It needs to be done...or else." A gall bladder issue is not imminently life-threatening, per se, but in terms of surgery, it may not be "elective" either. So yeah...it puts you in a bit of a "pickle"...you can live in pain and discomfort, and have all the GI issues...you can live without surgery, per se. OR...you have the surgery and have it all go away...but in order to do that you need to have the trust to "let go". Everyone processes that differently. I can give you no advice on that. I wish we could share a consciousness and we can work through it, but I don't have those skills.