A renown heart surgeon at the Mayo Clinic commented the major problem he sees is the patient waited too long . Waiting too long can give time for your heart's left ventricle to enlarge and a loss of normal systole functionality (pumping efficiency). That would be permanent and for a younger person a lifetime of a serious heart condition.
I have moderate to severe MVR, and I and my doctor agree to not intervene surgically until there are symptoms (shortness of breath), etc. The reasoning is that there is a risk to feel less well than currently and age is a factor. If I were your age and had shortness of breath, I would talk to a good heart surgeon.