Oh Sharon, I share this dilemma (drat those genetics!).
I contemplated not dying for a little while a couple of years ago as I thought I might make a "statement" having a young face with grey hair. After thinking about it I decided that being grey now is NOT for me anytime soon (I really don't think before I'm 60 - I will re-evaluate then).
For you, I guess it really comes down to what you are comfortable with. Dying does require some effort and cost. HOWEVER, I would say that for grey hair to look and gorgeously sophisticated, it will STILL require you to go to some effort and regular maintenance. Without effort to style your hair AND makeup, I do frankly, believe grey hair has the ability to look very ageing and drab.
In terms of the whole dying scenario, I have found that if I have really "dark" (which for me would be mid brown) dyed hair it would more than likely to look harsh against my colouring and dreadfully fake. I have learnt this one the hard way.
As such, I have had to go a "light brown" colour, rather than a mid brown colour because this is more flattering with my skin tones. As my skin is starting to get just a touch of redness, I have toned down red highlights and warm shades and have gone for more of a cool "ash" type shade.
For in between colour jobs, so I avoid that nasty "stripe", I have a hair crayon and just colour in the greys. It is not really that expensive or time consuming. There are some good hair dyes out there, even in the supermarket. If you have any friends who are a hairdresser you could ask him/her to help you select a good product and shade for you (this is what I did!).
I plan to stay a brunette until I go really white (expect by early-mid 40's, so over the next five-10 years.). At this point, I plan on dying my hair blonde, maybe even platinum - because heck, if I have white hair anyway, I may as well have fun being a blonde for a little while - it's not like the regrowth will be dreadful! <tee-hee!>
It will be fascinating to see what you decide to do!