I am by no means a doctor, but I personally would probably opt for the surgery. Just last night I just happen to have seen a video of a gall bladder being removed. The operation looked fairly simple and didn't seem risky, and there was virtually no bleeding ... and the gall bladder isn't the most vital of organs. If I am not mistaken, it's only functions are to store excess bile that the liver produces, and then to contract to secrete that bile when needed.
The gall bladder does not completely empty so the bile that's in there could have been in there for a long time. Because the bile is "stagnant", the salts and minerals in it can precipitate, forming stones ... gall stones. These can be nasty. The common bile duct joins with a duct from pancreas, forming a "higher" common duct that secretes into the duodenum (the first 12 inches of the small intestine). If a gall stone happens to lodge in that common duct, pancreatic fluids can back up into the pancreas. Although the pancreas has some defenses against it's own enzymes, it is possible that it could start to be digested, or other problems could arise (an organ being plugged up just isn't good).
Again, that's all coming from a non-professional ... just a biology student in college.