Make a list of the questions you want to ask the ophthalmologist and get all of them answered. If you can't wear contacts then your choices are glasses or refractive surgery like LASIK.
Just to update, in short my condition has much improved. My eyesight seems just fine. The floaters are still there, more or less unchanged and my eyes still get dry although not as often. I still haven't been able to wear contacts which is pretty disappointing. Most of the light sensitivity and other issues seem to have resolved.
Let me be direct: You are being paranoid if you think reflected light would cause all those symptoms. It won't. Will not cause dry eyes. Will not cause floaters. Unless things change with the floaters i.e. swarms of new floaters, flashes of light light lightening in your eye or loss of peripheral vision its not likely necessary to spend more money for an eye MD ophthalmologist to examine your eyes unless you think it would buy some more peace of mind. Floaters don't interfer with contact lens wear but you have all the symptoms of dry eye which antihistimaine drops make worse. You should be using artificial tears/lubricants.