Lab owner here, TPLO on both knees. PITA but worth every penny...and there are a lot of pennies involved. The surgeon who invented it gets royalties or some ####.
Yeah, I'm not so worried about the money thing. Doing nothing about it actually is an option, but not one we're even considering. My father tore his ACL and didn't get it repaired on advice of his surgeon, now he's got a metal knee less than a decade later.
Vet's saying probably about $2,500 to go with a boarded surgeon, but they know someone that isn't boarded and would do it for $1,500 and has great references and stuff. I'm fine with paying the $2,500. I just want her to have a full life. I'd be willing to cough up even more for a replacement like they do in humans, but it doesn't appear we've come that far in dogs yet.
I've gone through this injury 3 times with 2 different labs. Both situations were "no doubters", where the dogs would put zero weight on the leg and were in pretty significant pain. Given what I witnessed, it seems hard to believe that your dog could act "seemingly fine" at any point with a ccl tear. How about any other guys that have dealt with this? Partial tear maybe?
Dog 1 had the TPLO done. Cost was about $3500. Relatively happy with the results, recovery period was about 7-8 weeks. 2 years later she tore the other one. Cost and recovery time were similar. She went on to live 6 years after the second procedure. She did develop some arthritis that we pretty successfully controlled with pills. Dog 2 had the MRIT done. Cost was about $1500. Was not very happy with the results. Recovery period was about 8 weeks. She has had a limp since the surgery and at times it becomes pretty significant. I actually considered taking her back to get the TPLO done but couldn't put her through the procedure again. She's 6 years post op, getting around OK, but her quality of life is impacted and she's much worse off than dog 1 who went through 2 surgeries.
In looking at this now, it looks like they do a Tightrope procedure now which is an improvement on the MRIT, and a TTA process which looks nice. Happy to see that there are some advancements out there. Good luck to you and your dog!!!