Frustrated with both doctors!
it's a fine line with doctor/insurance requirements--your insurance may not require all those items pre-approval, but your surgeon isn't going to let their folks (surgical coordinators, insurance perrson, etc.) do the work for a patience who isn't going to cooperate with all the testing requirements of the doctor...I think it's the surgeon's way to tell who's serious or not.
Do you know what the actual approval requirements are for the insurnace? I don't think there's anything wrong with doing those, and maybe a few of the surgeon requirements (like a show of faith) all the while working on the insurance approvals...just a suggestion.
Last, it's not up to your PCP the timing/recommendation of the testing--while he may be giving you sound fiscal advice with regard to spending money on co-pays, etc., theres' no medical reason for him to tell you to delay the tests...