Ganglion cyst on toe, 1/4 inch wide. Doc wants to surgically remove. Draining didnt work. Cyst not bothering me or causing discomfort. Surgery needed?

No sooner No later. The only thing that's "needed" is that you feel comfortable with having the cyst removed. If you have no discomfort, then have it removed when you're ready. After all, the cyst will probably still be there when you are ready.