Don't be afraid of cateract surgery - my wife had early cateracts and she loves the results of the surgery. It went very well. As far as the retina deposits - never heard of that. I wish you well on this.
I do have a friend who had the new lenses put in to correct near and far - he really likes them does not need glasses at all now. We did not know about them for my wife otherwise we would have gotten them for her - she has to use glasses to read but otherwise vision is almost perfect.