My son is almost five and has suffered a massive speech delay. No one could figure out what it was, until we went to an ENT. It was fluid causing hearing problems, therefore cusing speech problems. Who knows how long the fluid hd been there, but the ENT said that it was bad and had probably been there for years. I questioned this, because to me he seemed to hear just fine. The ENT nad my husband had to take awhile to convince me to put the tubes in his ears. I didn't want to do it because I didn't think it was needed. I finally agreed to it, and things went very well. We were there for maybe an hour. They let him bring in his favorite blanket and pillow. They said he was only asleep for about 15 min. He was cranky when he woke up but in a few hours he was just fine. It is really a very minor surgery and is of little risk. She is young enough she probably won't even remeber it. We did this with our son in Feb. and his speech and language has already drastically improved. He is also better behaved because now he can hear and understand what is going on, and others are starting to understand him also. It is wonderful, and I am very glad we did it. I know surgerys are scary. But it is only a 15-20 min. procedure, the rest of the time is recovery and prep.
Just think of all the problems this could cause: speech delay, language delay, communication problems, behavior problems (due to communication),difficulty learning, etc; some of these happen as a result of another, but they still happen.
My son was almost four and a half when we did this. I wish we'd have done it sooner, Because then a lot of the problems he has now would either not be there, or they wouldn't be as bad. It is best for everyone this way, in the long run.
Whatever you decide, good luck.