Hi and welcome to the Spinal Cord C/D forum.
May I ask what u r taking for pain ...many pain meds can inhibit bone growth and repair....so u may want to look at what u r taking...even some OTC meds may impede healing.
Loose screws can only continue to cause u more issues...so I would imagine u need something done...if u do not trust the decision of ur Dr , try and get another opinion....
This happened to me after a car accident. It shifted my screws and plate. It wasn't where the Dr. Put it. I too had to have surgery. First, it was unstable and with one good it, you could become paralized. Not worth it. Second, it could shift and cut into your spinal cord. Simple, better safe than sorry. Why take the risk.