My surgeon gave three months, too, and I was still too generally tender down there to even think of it. I had confirmation from my GP that I was basically fully healed by four months, if that helps.
I also had some issues with chafing the delicate skin raw that weren't a case of *not* healing, per se, but were darned uncomfortable! I'd say six months is around when I started to feel like everything was solidly ready for more "enthusiastic" activity, too.