I had cataract surgery in my 40s due to a particular illness and treatment. They try to get your eye as close to 20/20 as possible, and my surgeon nailed that. However, your eyes DO change over time, so you will drift off you perfect or near perfect vision eventually.
My advice is the same as my doctors - plain lens only! Why? Multifocal lenses are like multi focal glasses. If theyre off, they can be really uncomfortable to see through. Also, it complicates bifocals/multifocals for glasses down the road. Get a good base correction, and let glasses take care of bi/multifocal correction over the years as your vision changes. Its so much less bother than dealing with a possible uncomfortable prescription built into your eye. Why spend lots of extra money for a correction that wont last?
You should be able to decline the astigmatism package if you want, but you should discuss both your financial concerns and whether it would be a long-term benefit versus just doing a glasses prescription as your eyes change.
My personal experience was about 4-5 years of 20/20 vision. Then I had to do a plain lens with a progressivr for a few years. Now I have both distance and multifocal lenses.