33 Years Old - Cheltenham, UK

I saw a consultant and it went really well ( apart from seeing a former student in the waiting room!) he said my nipple should be 21 cm from the base of my neck and they are 27 cm, I don't know how significant it is compared to other people but it's probably why I feel they don't look right. He was very good and explained about the technique he would use and the scarring. He also said that he wouldn't reduce them by much as they aren't huge but would reposition the nipples higher. He suggested a full consultation, this was only a free mini one so I could start to find out information about it. I think I'll do it but I basically need to make up my mind if I can live with how I look or it I want to live with the scars. Also very scared about the surgery!
I have decided to put some pictures up (yikes) I hate people seeing them but I guess this is the place to do it. Any feedback and advice would be great :)

At the moment I am just thinking about whether I want the procedure. I have always had large breasts and developed very young which made me stand out in school and I had a lot of comments made about them. I'm currently at my highest weight, over 10 stone or about 145lbs but even when I'm lighter they are still very big for my frame. I am under 5.2 and currently wear a 32FF although even now my bras are quite tight and I should probably be remeasured, I am hoping they will go down as I lose some weight. When I was thinner I wore a 30F and could cope better with this.
I have always felt very self conscious about them and I used to have very low self esteem although I am a lot better/stronger as I get older. I feel like I have a love/hate relationship with my breasts, I am used to how I look but at the same time I cannot stand going without wearing a bra even in my own home, I feel very matronly and to be honest they make me feel much older than I am. I don't suffer from back problems like a lot of people do (at least I don't think I do) I have the usual aches and pains from standing on my feel all day and get lower back pain which I put down to my love of heels!
My nipples have started to point downward and I feel that I have quite a flat area at the top of my breast (I hope you know what I mean by that). This is probably gravity and age, I haven't had any children yet and it's not looking like I will in the near future. The main reason for me wanting to get the surgery is cosmetic and tied in with how I feel about how I look, I worry that this makes me shallow and I should just be happy with how I am.
I am scared about the procedure and the healing/scars and have read about some difficult times that people have had, so any positive stories would be great!
I am currently going through a break up with my boyfriend, we have been together for almost 11year so it is quite a difficult time for me. I have always wanted to have a breast reduction and started to look into it seriously earlier this year. They say that you are not supposed to make big decisions when going though a break up, which is one of the reasons that I am hesitant. Am I doing it as a reaction to this or is it the push I needed to go ahead with it?
I have two meetings booked to meet the consultants in my local area, the first one is on Thursday so I will have more information then. I'm not brave enough to put up any pictures yet, I'll work up to that! :)
Finally the cost will be just under £6000, I don't know what this is in US$, but I will have to pay for myself as we don't have the same system of insurance here and it's not something that they will do on the NHS for someone like me. I would have to get a loan which is also pretty scary.