I have a high grade partial tear on my bicep at the distal musculotendinous junction. does this require surgery? my arm isn't in much pain, and is functional. if i need surgery can it wait? i'm a mechanic and can't afford to loose work?

Generally, speaking, biceps tears that are partial will stay that way, what matters most is function. General recommendation is to consult orthopedic surgeon to consider surgical repair.

See the orthopedic surgeon to confirm the diagnosis and ensure that you don't have a partial or complete rupture of the long head biceps tendon which may or may not need repair at your age.