Hi Chilledoutguy!
The beginning of your post sounds like me! I too shaved my head rather and was lurking around for a while before I started posting.
In theory you wouldn't have to wait too long before scheduling your surgery. From my experience (as long as your hair is at least half an inch) you have to pay the deposit, get your prescriptions, and make sure to stop taking your vitamins and such.
I think most people on the forum would say that because this procedure is permanent, cost shouldn't be a concern.