TweetDamn Dzone, that sounds awful! I can only relate with having a torn labrum in my hip, and yes the pain is excruciating. With all your experience, and knowledge, I am confident you will get through this. If you have to have surgery, I would think they would have options for a payment plan? You could probably do an post surgery PT on your own. I have heard that PT helps tears but I never really believed in that. If its torn its torn, and in need of repair, that's what I think anyway. Maybe Fuzo will jump in here, but he has had both shoulders done back in 2000-2002. Twice on 1 shoulder and they removed part of the clavicle during surgery. He did really well post surgery and the doc gave him great advice on modifying his training so he could continue. You will get through this and, I agree, water is an amazing reliever and healer