Okay, now I am debating the surgery.  The cyst/lump itself on fingers is almost gone.  You see it some when I bend the finger.  But it also doe not hurt when I accidentally hit something.  I am purposely hitting/tapping the finger (not too hard) and there is no pain/screaming ouch.............every time I have pain, shoulder, knee, wrist, I wait forever to make an appointment.  Each time, I have been lucky, just before making appointment, it mysteriously goes away.  This time, I had it for months - bad spot, finally make appointment, x-ray, schedule pre-op and surgery and now it's not bad at all.  Had it been like this, two months ago, I would never have even called the dr.
Even though I can cancel up to the day before pre-op, I really want to decide by Tuesday or Thursday (when the doctor is in the office).  I can ask the office how the x-ray was too.  Decisions, decisions....