I had both eyes done last year... they inserted a lens in each eye so I have 20/20 vision but I do need readers sometimes for stuff up close. Had no out of pocket charges so that was great. I just use the cheapo readers from dollar tree, under $2 a pop.. but I figured out quickly that it's best to have like 5 pairs of them so there is always one there no matter what room/vehicle I'm in. I don't really use them that much though.
I never did ask if I can open my eyes under water in a pool, but that scenario hasn't come up yet.
It's worth it, even if you have to dig into that massive 401K account and pay the penalty.