Voice training for me was hard.
My reasons for surgery:
I could raise the pitch but not get a passable voice, no matter how I tried.
I was also afraid of damaging my vocal folds. Improperly done training is proven to do that.
I also did not want to be able to fall back into my male voice. Why? For one it can happen by accident. I'm a mom. I have kids. They get into stuff. I might see them in danger and have to call out to them. Secondly, there is the stereotypical media image of a "tr***y" where she relaxes her voice and the male voice comes booming out. I don't want that. I'm pleased to say that now I couldn't sound male now even if I tried.
Then there is not just talking. It's laughing, coughing, sneezing, clearing your throat, screaming, sighing, expressing disgust etc.
Also, think of what happens when you're in bed with a sexual partner. I want to be noisy during sex, and I don't want to sound like a man. I have men interested in me and maybe sometime I will end up back in a committed relationship once my divorce is final and I've completed SRS. I want him to see me as a woman, full stop. He will know I'm trans (I believe in full disclosure) but I am a woman. I want to sound like one in bed. One woman here said she was clocked in her sleep due to her voice. I do not want that.
Training can get expensive. Yes, there are YouTube videos but I think some of them are ineffective and can damage your vocal folds. FYFV by Andrea James and Calpernia Addams is the only one I found to make sense. A speech language pathologist for me would cost $150 per session. Once per week for God alone knows how long. Then there is time I have to take to attend the sessions. For that money I could put it toward surgery. It cost me about $15k to go to Seoul and get it done but I paid for upgraded (prestige class) tickets and my mom went with me. You can do it for less. Dr Haben in NY is another option, as he charges less and surgery with him doesn't involve international travel if you're in the U.S.
My speech patterns were feminine with a male pitch. In fact my brain operates much like a natal female. I blame this on my naturally lower testosterone levels plus I'm quite possibly intersex or a DES child. My voice did not deepen until my late teens, in fact. So all I really needed was a pitch increase and a slight tweaking of the timbre by getting rid of the male undertones. That has worked very well for me.
So all of this is why I chose surgery.
Now, that's not to say training isn't viable. It works for many trans women but it is something you must commit too wholeheartedly. But to say voice surgery isn't worth it isn't really true. My surgically corrected voice has done wonders for my passability and by extension my confidence. I have zero issues going out in public and I can be the loud, bubbly person I always was.
And I've not seen anyone who had surgery say it was not worth it to them, unless their voice did not change much.