Fractured Ring Finger - Surgery or Heal on its own

I injured my left ring finger on September 8th playing flag football. I went to my primary care physician on September 11th thinking it was just a really bad jam and she ended up putting it in one of those metal-looking splints and ordering an an xray for the next week. I went to get the xray on September 16th (i know - I waited too long to get that done). At the xray center, they said my doctor would call me with the results. Since my doctor was closed on September 17th - 19th, I received a call on September 20th from her saying that I have a displaced fracture and need to see an orthopedist. I went to see the orthopedist the next day and he said I have a rotational deformity (my fingertip curves to the the left when I make a fist) and that I should see a hand specialist/surgeon, so they got me an appointment with one for the next day (exactly 2 weeks since I fractured it).

**Just to give a visual of what my finger looks like: it is still swollen, bruised at the top, and the last inch of my finger (the finger tip) is crooked maybe 10-15 degrees. Fingernail is fine, its just that bone right below the finger nail that is causing the fingertip to be crooked. I can easily bend at the knuckle because it wasn't injured and as for my fingertip, I can make a loose fist with fingertip touching my palm. I keep my finger in the same splint that my physician made and I don't have too much pain.**

So, the hand specialist gave me two options: to buddy strap it and let it heal on its own crooked and I would just have to live with that, or she could do surgery to put pins in it that would straighten it out. Maybe its just the way that surgeons are, but she was very quick about - she didn't really explain the the consequences of either option and expected me to make a decision off just her stating the two options. I don't even know the technical term of my fracture to research it. And, now I am struggling with what to do, mainly because I don't want to risk more damage with surgery (the incision would not be through my knuckle though, just above it to the fingernail). Any thoughts???