Late 30s female with under eye bags. What is the best option for me? I am open to surgical or nonsurgical procedures (Photo)

Looking at your photos I would suggest a lower eyelid blepharoplasty.  This would remove the bags and also correct the wrinkles and excess skin.  I would suggest using the subcillary technique.  This would allow for a better result than a trans-conjunctival (TC) approach.  Of course, a comprehensive examination would be the first step.

The eyes are best treated with a combination approach of fillers, lasers, microneedling/PRP for improvement. Ultherapy/thermage, venus legacy all do well for swelling or puffiness. I would suggest consulting an expert. If surgery is an option they will recommend. Best, Dr. Emer

Removing fat from behind the lid is reasonable because there is not a lot of excess skin.  But a careful exam is needed to determine if you have any fixable deformities when you animate that would alter the options.

The best, long term treatment option with natural results. is transconjunctival lower blepharoplasty with fat repositioning. A non-surgical alternative would be filler injection. See link and video below.

In my office, I would encourage you to have a transconjunctival lower blepharoplasty with a lower eyelid chemical peel.  Seek several opinions before deciding on a surgeon.  I recommend finding an aesthetically oriented oculoplastic surgeon for this work.