I would say get it done (as soon as the pandemic is over, because... hospital). The downsides are that you may need another surgery in 15 years, but in 15 years they will be even better at it. Life is too short to live in pain, and the pain of not walking or having problems walking isn't worth it. Everyone I know that does something like this is always saying "I wish I hadn't waited that long".

And as someone else said above, do your PT with every fiber of your being. PT is hard work, but it can absolutely improve your outcome. Knees are difficult to force yourself to get your full range of motion, but seriously it is better than living with the pain. And be happy you live in a time where they can fix this kind of thing.