I had a hernia that I did not have repaired for many years (no health insurance), and it really didn't bother me in terms of pain. However, over time the tear in my muscles got bigger and bigger, and by the time I did get it repaired my samll intestines literally were in my scrotum when I was standiing. If I lay on my back I could push everything back in place and feel the hole in my abdominal wall, and when I stood up everything would slide back out like spaghetti (sounds gross huh?).
When I finally did have the repair done it was no where near as bad as I expected. I had a traditional mesh repair done, went in for surgery in the AM and was home resting by 3pm that day. The first few days were pretty painful but I was back to work in a week, and I haven't had any problems with the repair in the almost 10 years since it was done. I only wish I had done it sooner, don't be scared and put it off.