Doctors can help you "Stretch" your foreskin.
Look into that.
Talk to your doctor about the tight foreskin. He might even recommend non-surgical alternatives to dealing with it. And try not to be embarrassed about having foreskin - it doesn't look better or worse (for most people), or make the sex better or worse. Good luck.
That is truly a personal choice. I have no idea what the cost is, you would need to talk to the surgeon. As far as having it done, if it uncomfortable and your are embarrassed by it, then I would have it done.