No, that makes sense. I don't know if I can entirely explain - it's definitely something that I really do want to remember my whole life, and I know that even if I decided much later that I didn't like the design as much (which I'm pretty sure I wouldn't) the meaning of it would be enough that I wouldn't regret having it there.
The weirdness of the wait is just that it would seem odd to get a tattoo "about" something that happened several years ago? I guess if I
knew I was getting surgery in, say, a year and a half, I would probably wait. I just don't like waiting indefinitely... Bad enough that I've no idea when I'll be able to get top surgery.

Anyway, I don't mind the unsolicited advice! You're right, I definitely don't want to get something stuck on my skin forever and then regret it. I would certainly rather people challenged me on it and make me think about it carefully!
Also, I tracked down a couple people on tumblr who have tattoos in similar areas and have had surgery – both of them said their tattoos hadn't been affected at all, so that's a good sign.