So, I made a few calls. My regular vet is too expensive at $400 not including any "extras". Plus, she didn't hear the murmur the first two times we went in, so either it is a really minor murmur or she sucks. The 2nd option was a spay certificate from a local program, but when I called them and explained the situation, they were snarky and didn't put me at ease. 3rd option was a vet my brother found and had his female spayed through. They were very nice, reassuring and want me to come in Saturday for a consult. Its $14 for the exam and the vet there will take a listen to her heart to see what he thinks. He will also be ble to give me a 2nd opinion on the murmur and its severity plus the risks of surgery. The tech who took the call said that they will likely recommend blood work to see whats going on and judge how well she will handle anaestesia (sp?). The blood work would run about $45. Well worth it. If everything checks out and the surgery is a go, they may do it Saturday or wait, depending. It would cost $150 for the surgery, overnight stay, nursing care, pain meds, antibiotics and e-collar. Affordable right now and as safe as possible. I feel a bit better, but its still a wait and see thing. I don't understand why my vet didn't recommend blood work to put us all at ease.