45f severe hip arthritis - help deciding when

According to hip mri and X-rays, I have severe arthritis in right hip due to hip dysplasia. I’ve seen 2 orthopedic doctors who confirmed and said replacement is inevitable but it’s up to me when I want to do it. My pain is inconsistent, not constant. It comes and goes, depending on the day and activity. My quality of life is not too bad considering. I can’t run anymore but I still go to the gym and take long walks. It’s hard for me to do certain things like put my socks and shoes on, stepping into high level cars, certain positions in bed, and getting up from a chair after sitting for a long time. I’ve tried cortisone shot and limited PT sessions that didn’t help much. I’m still on the fence in deciding when. I was thinking of doing it in December since I’ve gotten through this years deductible (so it will be cheaper), my work is slower during that time, and my kids will be around to help. I could potentially wait another year or two. What would you do?