H.W.
Just get the surgery. It's nothing to be afraid of. It can save you so much time and money to get it now instead of later.
I've never had an umbilical hernia, but a girlfriend of mine did and got surgery ASAP. I also knew a fellow who had one and let it go... it became like a baby was sticking its head out of his belly-- very, very off-putting. You really DON"T want that. Leaving things like this means more damage to the body and far more time to heal. Don't wait.