Is lipoma surgery on the neck worth the risk for an elderly dog?

Our 13 year old silky terrier has gone to the vet four times now for her tennis ball size lipoma, her shots and general checkup and we're planning to take her again for the lipoma. The doctor has last said that the surgical procedure is very dangerous due to the anesthetics and the tumor is benign however our dog seems increasingly annoyed by it.

First is it under her neck and second it causes her to snore. She does not appear sick, has a very healthy appetite, and is well enough to bark at the neighbors or odd noises. But just recently she's started to be more irritated (like a bad mood and barking a little more) and we are worried it is the lipoma.

We of course don't want to lose her but if she's actually in pain and not letting us know (as I've heard dogs are very good at hiding pain) we want to help. Lastly she doesn't whine or yelp when I touch her and actually wants me to pet her and keep her company and follows me around as usual.

We want the best for our dog and we are open to solutions. We will also go for a second opinion before going back to the original doctor. We'd do anything to keep her happy but we don't know if this surgery will make a difference for her or if it's a smart idea at all.

We are wondering if others have done this with their elderly dog and if the dog seems happier and less bothered or the same.

Thank you for reading and understanding our situation. Money is currently not a concern. We'd do anything for her.