Okay, my turn to weigh in on this. My hearing loss advanced over a four year period to reach the 30% useful range. I did not experience loss "knowledge" until age 60. I started complaining of difficulty hearing the clock at age 60; a routine audiogram test indicated "old age" factor. Like some people my AN was discovered after the second routine visit to the GP and a second audiogram. I was referred to the ENT for an MRI at age 64. I had a 2 cm X 1.5 cm X 1 cm in my rt side, no useful hearing left. I had no other obvious symptoms other than a new preference to sing in the tenor alto section, instead of the upper range alto section.
I have always relied on family history records in my own health care. My mother is hearing impaired on both sides at age 87, and in good health.
Based on the previous stats, I must be one of those people who had the two options. But I would like to be 87 like my mom some day, without having that AN involved with my brainstem. So I am happy I had surgery.