A few thoughts.
It seems like a disservice to portray dilation as a problem. Infection is a problem. Dilation is just the necessary process of maintaining the result of vaginoplasty or GCS. No, It's not a lot of fun, but the routine lessens as time passes as does most physical therapy stemming from surgery. You can even choose not to do it or simply stick with maintaining minimal girth and depth by using a much smaller dilator. Beyond dilation, the real issues that should be discussed are directly related to the degree of invasiveness which is magnified significantly between the cosmetic and full version. The older we are, the more recovery time it takes and this is incredibly complex surgery that involves cutting through a nerve-saturated area of the body, rerouting your urinary system and removing a significant amount of other tissue. Age is an important consideration for any surgery when deciding how much you want to put yourself through. The benefits should outweigh the risk along with potential complications and level of ongoing inconvenience or worse, incontinence.
I'm not advocating for either decision but to those of you in this age group, I think you have all the life experience you need to know which surgery is adequate. The only people you have to answer to is you. Potential Regret is a good argument, however. You can't really change your mind after-the-fact on this one. If you think you'll regret not having the complete GCS surgery and you're healthy enough, weigh the options, it's no one else's business which you choose.