I am So sorry to see you 'back in the club that no-one wants to join' @Christine_66 ...... bugger bugger bum & a few other choice words are in order, methinks! And a rum or two.
I like that you are feeling 'stronger' this time round and won't put up with any bullshit - having been thru the shock of it all the first time .....
I think you've already happy with the decision re having both puppies 'gone' as they are not doing you any favours right now - so it is mainly the decision on waiting for the reconstruction & having it done 'public'? Personally, I reckon that may be the way to go - no point putting yourself in big debt at this point in time (just increasing pressure on yourself.)
We have quite a few 'flat but awesome' ladies here who will jump on with their reasons why they went with that option ...... one that I would do myself, if it came to the crunch. My 3 year surgery anniversary is next week.
Have you had a Breast Care Nurse assigned to you yet? You could chat with her as well as your family - tho ultimately, only you can make the decision. xx
Take care & all the best with your decision making xx