I severely fractured and displaced my right clavicle last June, I had no option but to have an operation to fit a plate with a hook, I was lucky I had private healthcare with work, otherwise I would of had to wait a week with an almost compound fracture. I’ve heard horror stories similar to yours, lumps and drop shoulders etc, my shoulder (touch wood) is totally flat, and xray shows a perfect union of the bone, the plate comes out late Feb so time will tell. What I will say is the plate is quite uncomfortable, I can’t sleep on my right side, movement is restricted, and I think the hook gets caught on tendons or nerves, all manageable with a whisky or nurofen plus.
Good luck with whatever you decide.