Hi,
It is very difficult to coment whether you require surgery withot a complete examination, which includes a neurological examination also. Usually in such cases as yours a surgical decompression with fusion and stabilization is indicated when there is severe cervical spondylosis, progressive multilevel instability, and evidence of early myelopathy. By what you are describing you do seem to have significant cervical spondeylitis, but there seems to be no evidence of myelopathy or instablity. Your concern of a severe spinal cord injury with even a relatively minor accident is justified. But undergoing a cervical vertebral decompression also does not carry 100% success rate and has its own rate of complications.
I would advise you to wait before deciding for a surgey. Rest can be said on a complete examination, which your Orthopedecian must have done.
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Regards
Dr. Gupta