re: When is it time to put down your pet?

If she is happy and not in pain. It isn't time. I have a 14 year old mutt. We've also had to have some lipomas removed that would burst and bleed. Relatively easy surgery. Get a soft t-shirt to put on her so she leaves the incisions alone after surgery. Incontinence is more of a problem for you than her. Perhaps either Pee pads+crate at night or diaper at night. (limit water after dinner and take her out right before going to bed).

In the past I've put down dogs with Cancer (when $8,000 surgery wasn't going to prolong the prognosis), another who couldn't use back legs anymore, and most recently a German Shepherd with anal fistula that wasted away before my eyes (think how awful fecal incontinence is to a pet owner).

It sounds more like you are tired of the hassle or perhaps the expense of veterinary care is too much. In my opinion, these are things we sign on for when we get the pet.

If she's happy and energetic, let her be and enjoy her while she's around.