Did you even read the thread that was linked earlier? This has been discussed in detail.
Chances are, insurance will not cover this at all. I had surgery done about 2 years ago or so. My case was much worse than your own. You have no clue what you will look like with more muscle on you and no one else here can predict it.
The only thing sticking out on you is your nipples because you have zero size anywhere else.
I have seen guys with way worse situations than this competing in the NPC.
They seem to be doing fine.
Even Ben White had a severe case of it worse than your own throughout most of his earlier career and didn't have it removed until much later.
Bottom line, you are speaking to a medical professional who has had the surgery done and has researched this more than you have.
You would think that would mean something.
You may not need surgery at all and worrying about that before you ever actually build a chest is really fucking backwards.
No one said anything about "bulking" and chances are, your perception of what that even means is fucked.