Not to sound callous, but as someone who's had plastic surgery in the past and is thinking about if I want anything else done, is it so bad to save up for or plan around?

If something really gives you grief or you feel bad about your appearance, I think considering what you can do about it is probably helpful. My surgeon seemed to have a lot of clients in for hair loss and that's a big quality of life improvement to not have to worry about, I would think?