I had my gallbladder out, but it was not optional (even though I really tried to see if it was). Unbeknownst to me (until about 5 1/2 months post partum) my gallbladder had stopped working during a pre-eclamptic pregnancy and at 6 months post-partum, I had a blocked bile duct, acute pancreatitis, and jaundice, to go along with gallstone attacks every meal - I was in bad shape and what started as an elective schedule became an emergency schedule when the docs realized how bad I was (aka - they realized the pancreatitis)...
Since I had the other issues, it was a rough recovery, compounded by only getting 10 days before I had to go back to being a mom, homeschooling, and having a life. I will say it took me a good 6 months to feel mostly like myself again...and I have had some long term effects (this was 5 years ago). I always tell people that some people after surgery will never be thin again (I'm one - but you can maintain weight without gaining - it just takes a LOT more work) and that you may always have some issues with digestion (especially the end of the process and ensuring nutrition). Oh, and stomach viruses destroy me now (with that excess bile problem when you have no food in your system - I cannot function until they pass now, thankfully in 12-24 hours, but they are a BAD 12-24 hours). But some people have no issues, so don't take my results as gospel. But would I do it again? In a heartbeat, but that's b/c I was in a life-threatening situation and didn't have a choice.
I have 2 friends who each have only 1 gallstone and they have been able to keep their organ and they are doing well. So, you can live with a gall bladder if you develop a stone or two.
My advice - if you can't live with the attacks you are having, you should take it out. If you have 10s to 100s of gallstones (so it's stopped working completely, like mine), you should take it out. If you get a life threatening complication, like a blocked bile duct or acute pancreatitis, you should take it out. If you are a borderline case who gets an attack once a year at most and has 1-2 gallstones, you can probably put it off.