Thank you all for the replies. I feel educated now!!
Ok, so one more question please
Considering its the holidays and I have a ton of stuff to do....
IF I can stand the pain (it comes and goes surprisingly?!) are there any
major disadvantages waiting until the new year? Like Jan 2?
It won't make a difference with our insurance.
I was in your shoes (pun intended

) a few months ago. I lived with an extraordinarily painful ingrown toenail for many months and tried multiple things to deal with it (from regular pedicures to cutting the nail way down after epsom salt soaks, etc.) My nail had been injured repetitively over the years and it was finally clear to me that nothing I did was going to alleviate the problem. There were literally shards of nail growing separate from the rest of the nail into the side of my toe, that I had to extract with a pair of tweezers. Suffice it to say, I have an extremely high tolerance for pain.
Only you know how high your pain tolerance is - I lived with this for over 6 months before I finally couldn't take it anymore (and I admit it, I wanted to get through sandal season but also have it taken care of before it got too cold, like now.) If you've dealt with it this long, chances are you can last another couple of weeks.
As for what to expect at the doctors office, every case is different. In my case, it was very obvious that the nail growth was permanently distorted. Whether I cut it down, or he cut it down, it was going to eventually grow back just the way it had been growing for months (in my case, curved into both sides of my toe, as well as the offshoots, which apparently were from portions of the nail bed separating completely.) I had a procedure called a partial avulsion; he essentially cut the nail away from the skin on both sides. Then he performed phenolization of the nail bed - they use a chemical called phenol to destroy the nail root, just on the parts that were cut away. Several months later, I am left with a narrower toenail. But no more pain.
Now keep in mind that the healing process was also very painful. Especially the first 24 hours after the anesthesia wears off. I had to take the day off work and keep my foot elevated. The pain was intense. And then I had to soak it twice a day for almost 2 weeks. You may not need as aggressive of a treatment, but if you do, just be aware. If you've got a lot of stuff to get done between now and Christmas, you may want to wait just for that reason.
Sorry about the long reply, but thought you should know of the potential consequences. For the record, I never imagined I'd need to have surgery on my first visit to the podiatrist, but that's exactly what happened. I hope your situation isn't as bad!