Well, if it's affecting your quality of life then perhaps you should start doing your research to see what can be done about it. I only say that because everybody is different. My wife went here:
Arthritis Surgeons Medical Group They specialize in the anterior approach, which might make it easier to get back on a bike sooner.
People fly in from all over the country to see this guy, but he's fairly local for us, fortunately.
You'll probably hit your out of pocket max anyway, I can't imagine that 10% is cheap either. I'm sort of in the same boat with my knee - got hit by a car and the cartilage is trashed, so i'm doing the wait-till-I-can't-stand-t approach with a periodic scope job to clean it out.