I think age 26 is very young for permanent pregnancy prevention. You still have about 20 years of ability to produce more children if you change your mind.
Keeping that in mind that could be what's influencing your doc. Most people in their 20's are likely to decide at some point in the future they want more children.
One of my friends had this happen. She had a couple of wonderful children and they felt done too then her husband died.
She remarried before she turned 30 to a man who'd never married. He really really wanted to have children and loved hers as much as if they were his own but due to her not being able to have more children he wasn't ever able to have his own. She felt horrible for a long time, every time he'd look at his friends and their kids you could see a shadow of grief flash over his face. He never said anything but she knew.
I think you have to decide this and if you're really done, regardless of having a husband or not that you will never be pregnant again no matter who you're with then it's time to be permanent with it.
Consider the Nuva Ring as an option before surgery. It's an outside source of birth control. You put it inside your vagina and it works in that area. Since it's not in your system internally as much as a pill it often has many less side effects. If he feels it during intercourse you can even take it out then out it back in when you're done.
If you want permanent birth control then the Essure Procedure is really effective if your doc knows what they're doing. They go up the tube with a spring like device that is coated in a medication that promotes cellular growth. It basically causes your tube to grow it's own plug. They go back in and test it in a few months. Using dye to see where it goes. If it goes beyond the plug it's not done growing stuff yet. If the dye stops at the plug and won't go further then it's done.