Do I need a gum graft? If so, how soon must I get the procedure done? Can I wait a few years? The tooth is not causing pain. (ph

I am 28 years old. I have been told before that I grind my teeth at night and have a receding gum line, but have not worried too much about it. I recently noticed the severity of the recession in the front bottom teeth. I have a history of brushing too hard (have since changed habits), genetic history of receding/thin gums, and recent hormone changes (pregnancies). I am terrified of loosing a tooth, but also terrified of a gum graft (particularly the EXPENSE with no dental insurance)! Help!