Charlie,
- What's your nationality?
- Does your country have universal health care for all?
If you're an American, chance are the doctors there will recommend a circumcision and nothing else.
If you're a Canadian, there's a 50/50 chance they'll recommend the same thing as the Americans.
If you're the citizen of a nation where male circumcision is almost a requirement, well... Chop, chop!
If you're none of the above, chances are your country has Universal health care. Go see a doctor specializing in sexual health issues and SHOW them the problem. Don't worry, they've seen plenty of these. Phimosis may be an uncommon problem, but it does happen often enough that they'll know EXACTLY what to do in your case. They'll try many different solutions before putting you under the knife.
And if you do have to have it "lobbed off", take into consideration that a circumcision is a satisfactory treatment for SPECIFIC problems, but ONLY when these problems actually manifest themselves. Any other justification for the procedure is sheer lunacy, ESPECIALLY when it's non-consensual.
Good luck!