Everyone is different is the honest answer. Some people will have significant stability problems and others (once recovered fro the initial injury) seem to manage perfectly well.
There is not a right or wrong answer, early onset of arthritis can happen regardless of surgery. It seems more dependent if there was an associated meniscal injury.
A good knee ACL knee brace can be a game changer (that allowed me to play tennis, without it I couldn’t hit a backhand).
Personally, I would try rehab fist and see if that was sufficient to allow me to do all my activities, if it didn’t then I’d consider the surgical route. Rehab will not be wasted as it will put you in a better position if you do require surgery.
The rehab post op is 6 months long (for return to everything) and absolutely essential. If you cannot commit to this then do not have the surgery, you will not have a good outcome.