I had mine out when my oldest (now 11) was 5 months old. I totally understand your aprehension, but I also say that this is necessary and you have to do it.
I had a miserable pregnancy that in hindsight was probably partially due to the gb problems. After was when the attacks started and after one bad night where I was up all night screaming in pain and thought I was dying I finally went to my Dr. He sent me for the Ultrasound immediately and called me later that day. I loved and trusted this dr and was in shock when he called to tell me that he had me scheduled with a surgeon then next day and it had to come out by the end of the week. But that love and trust was what made me go throught with it. I hate needles and surgery also--and I had had several outpatient procedures.
I was told the risk of waiting was that a stone could lodge in the pancreas and cause pancreatitis which is apparently REALLY bad. I asked my Dr. how bad that would be and he said "you don't even want to know".
I did put off the surgery a week because of my baby. I had no one nearby to help me out so I had to arrange for my mom to come out and help. I wasn't allowed to lift her (can't remember the exact weight restriction) for about 2 weeks after the surgery so my mom and mil each came for a week to help me.
Out patient surgery is the standard now. You come out of the anesthesia much faster than you would think and they will not let you leave the hospital until they are comfortable that you are okay to go. You/your DH will be given a list of things to look for that could be problems in the first 24 hours or so and told to go back to the ER if they happen. But complications are rare. They can happen, but you just need to follow the instructions and be aware of your body.
One thing no one told me was that I had terrible pain in my shoulder for a day or two. Apparently it is called referred pain and has to do with the fact that they blow air inside you during the surgery. That pain was worse than the incisions but the pain killers helped. I followed the low fat diet recommendations for several months after and am fine now. I definitely do NOT follow a low fat diet and usually have no problems. If I really overdo it then I will have some cramping and potty issues, but I have always had a sensitive stomach so I am not sure if that is really related to the gb or not. It probably is. It isn't so bad that I don't over indulge every once in a while!
And an interesting side note. DH and I actually had our gall bladders out 2 weeks apart. He had been having stomach problems for over a year, but his symptoms were not quite as distinct as mine. He had been through many GI tests and meds. When my GB problem was diagnosed right away he asked the dr why they hadn't done a US on him since some of his symptoms were similar. He went for the US and his gb was in such bad shape the tech wouldn't let him leave until the results had been sent to our dr. and the dr. cleared him to leave the hospital. He was supposed to actually travel out of the country the next week and the Dr wouldn't let him go. He had his gb out a few days later.
We both agree that it was totally necessary and don't regret doing it. You can elect not to have the surgery, but the problem will not go away and in fact will most likely continue to get worse.

I know surgery is scary. I have having a foot procedure that I have been putting off for a year now and I am terrified, and they aren't even putting me all the way out. But there are things that you just have to do.