If you have already tried this then ignore me but if not allow me to play devil's advocate.
There is a third option and it's a cream that helps with elasticity of the foreskin. A GP is more likely to talk to you about that than a surgeon but it depends if you have a foreskin friendly GP I suppose.
Have you tried it? They are available in most chemists and online, they are not expensive.
You may need to apply more than once a day to get quicker results but if you have a significant other they could help, could even work wonders for your adult time, and it won't be as quick as the circumcision to fix the issue, but, if you factor in the healing time (which will be weeks) and how swollen and sore it will be and how sorry you will be feeling for yourself when it hurts to pee and you can't get comfy in your pants so have to sit without pants on, I think it is worth considering. Plus you have risk of infection that comes with all surgery. You could avoid all that with the cream and 20 minutes out of your day. Also I guarantee the cream will be cheaper in the long run than how much lube you will need for a five knuckle shuffle post surgery when there is little to no skin to play with. Are you one of those people that hates sticky hands?
Anyway.
My SO foreskin doesn't fully cover his head and sometimes sits fully behind it, and he chafes when he does sport and it can get really uncomfortable for him, sometimes it bleeds. It's worse in wet, cold weather. We are trying a skincare routine at the moment to see if that helps. Honestly I'm close suggesting the elasticity cream to see if we can't encourage his foreskin to sit over the head more. You have to tread gently with men and their crown jewels. I encourage you to try the cream first. I wouldn't wish what happens to his pecker on anyone (and also on their SO because sex is a no-go when that happens. I mean you can do other things but when his pleasure is off the table its not the same. The devil on your shoulder wants what it can't have).
Anyway sorry if you have already tried it.
The 4th option is to do nothing. Which you have done for a long time and you're still here to tell the tale. How much does it bother you? I mean like really? Because doing nothing really is a valid option. You're scared of the surgery and the hospital. You don't have to do it.
This operation is permanent. I'd be sure before you do it. Like over 90% sure.
I've worked in urology and sexual health and honestly so much stress can be saved if people take time to consider before they act, I'm not saying you are not because you clearly are, but what I mean is, be sure in your own mind because whichever option you choose will have its downside but if you can look back and know you made the right choice at the time then it's harder to be hard on yourself.
And I think I'm right in saying we are all very good at being hard in ourselves at the best of times. It's even harder when pain is involved, your brain isn't wired to think straight or be reasonable when pain is involved. It's similar when you're horny too but I digress.
Good luck