I understand what your saying about having to sell for financial reasons. If there is any possible way for you to get the last surgery without having to sell your bike, there are ways that the bike can be adapted to fit your disability Im sure. I just know how I love to ride, and if I was in your shoes, I would FIND a way to pay for the surgery w/o selling the bike so I could ride. But I also realize each persons circumstances are different. Good luck in your decision.