There are 2 options. You can wait and risk that porcealin gallbladder
become malignancy or some other complications may develop. Secondly, you can undergo cholecystectomy
which is recommended and indicated in this cases. I suggest to do it .this is a routine procedure today.it can be done laparoscopicaly. YOu are young, sugar and lipids
levels arent contraindication and dont have big impact on outcome so this is safe for you and I really think you should not be afraid of surgery. Wish you good health.