I turned down about the same price when I had insurance and it would have mostly been paid for years ago.
Really not liking the whole 'flap' thing, rub my eyes quite a bit during allergy season and have heard they stay kinda not rejoined for up to 5 years.
My wife and I both had it done about 10 years ago- we still talk about how it was one of the best money we spent on ourselves (I think it was $4500 or so for each of us back then).
I know the whole flap thing is worrisome, but it really isn't that bad. Our doctor told us it would be mostly healed within a few days (I can't remember the numbers) but 99% after a year. I only remember a little irritation in my eyes for the first day or so, a bit of haloing for a week or so, but the benefits have far surpassed the difficulties. You probably would want to wait until allergy season has subsided (also no swimming for a while).
At the end of the day, it's a risk and reward thing- keep getting corrective lenses/ exams for the rest of your life or take the risk and get the surgery and be done with it. I had one eye that was pretty bad and couldn't see much without glasses or contacts and have been 20/20 since then (I am over 50 so cheaters are needed for reading but I don't mind that). For us, no regrets!