~25 years ago I tore my ACL, not a complete tear (85%) Not having the surgery was a non-starter. I would never choose that level of disability when there was a surgical fix avaiable. Have the surgery. Do the rehab. Live your life without the disability.
Pre surgery.. knock on the door, I head to the door, the knee gives out and I am on the ground. No thanks.
Luck,
fat biker