Some are able to live with a stricture, depending on the severity. Have you had a SBFT to see what the status of the stricture is? THe problem is twofold.
If it gets to the point where the the stricture is causing blockages, you could start having obstructions. ALso, if you start to flare up, more scarring could form, and then the stricture becomes worse.
Your surgeon has a good point in that you don't want to be back on Prednisone for a flare up, while facing surgery.
I understand the financial side is also a concern. Hopefully you make the right decision for you after some careful consideration. Perhaps more opinons. What does your GI think?