I still have a bladder, so I am not really qualified to speak from my personal experience.
But, I have been attending a bladder cancer patients' support group for about 3 years and have known people
who chose neobladder, ileal-conduit, and Indiana pouch. You have mentioned that you have read pros and cons.
Considering your age and your quality of life after the surgery, the consensus among many postings is that neobladder should be the first candidate for younger patients like yourself.
Since you are 47 years old, you will live another 43 years if you live till 90. So, Ileal conduit requires the replacement of a urostomy bag every 3-5 days, that's like 100 times a year or 4,300 times till you get to 90. Indiana pouch you need to catheter 5-6 times a day. That's like 1,700 times a year or 70,000 times till you get to 90. Though both urostomy bags and single-use intermittent catheters are covered by Medicare plan B, the lifetime cost also needs to be considered.
Most patients who chose neobladder become continent during the day time though it requires training. At night, some patients may choose a device like a condom catheter so they can sleep through till the morning and some train so they can wake up every few hours to go to a bathroom. Yes, some patients who undergo neobladder may become hypo-retention which requires self-catheterization. But I have heard from a urologist that the risk is less than 5%.
Best wishes