It depends on the speed of the recovery you want. The cream tends to take longer to remove them and the surgery is quicker. But there are always risks to surgery that don't occur with creams. For most people, they do not. Most people use the cream for 2-3 months and then have surgery if they keep coming back.
IMO (not a medical opinion), the faster they are gone, the better. If you can manage to keep them away for 3-6 months, you could become non-infectious. During recovery, do not have sex as it could result in more warts. Stay relatively sober, no cigs, get more rest, exercise more, meditate, take vitamins and supplements that boost your immune system, eat healthy, etc. Stay away from sick people too. Use this time to recover your health and to let you immune system fight this virus.
I had surgery to have mine remove. It was a 0.3mm size growth in my anal opening. The doctor that did it is an HPV expert and told me the sooner they're gone the better. If they stay longer then the virus can shed its particles to surrounding skin and that's how more warts appear.if the lesion gets removed surgically then the warts come appear that the same spot again. But you're not off the hook the first 6 months, and they can always come back so you gotta monitor it daily. In my opinion the best way to remove them is to have them surgically removed as they can also remove the base of the wart and then it heals.