Prolapse surgery inevitable?

I suffered a uterine prolapse twenty years ago that I have managed with, as the thought of surgery absolutely terrifies me. My womb is also retreverted. However, I have now been diagnosed with a cystocele as well and am finding life very uncomfortable and have become very depressed as it is really effecting the quality of my life. I cannot do my job because I cannot sit for long, am frightened to walk far and won't make any plans in case I have to go in for the operation, although I am trying to avoid this. I am doing my pelvic floor exercises but sometimes feel that this makes the pain in the bottom of my stomach worse. I do not have any stress incontinence, although I do have urge incontinence now and my understanding years ago was that I may have had a rectocele. Does this mean everything in the vaginal vault is collapsing? My symptoms are pressure in the vagina, sometimes pain in lower stomach and soreness around the opening to the vagina. I am 57 years old and had my last period a year ago. Vaginal HRT cream has been prescribed, but due to health problems I do not want to use this. My gynecologist is talking of doing the sling method if I have to have surgery. As I have a problem with allergies I don't really fancy this. I have fought to keep my womb as a scan has shown there is no disease and it would only be a repair to the vagina wall. I asked about a pessary but was told that this may hold the uterus up but could make the cystocele worse. Has anyone else here managed to keep away from the surgeon with these symptoms? I am also told that the older you are at having an operation the higher the risks and longer the recovery period. I really need to make a decision as the constant pain and discomfort is starting to change my personality and put pressure on my relationship with my husband, who is blessed with good health and cannot understand why I don't go and get it sorted out.
Thank you
Jenny