If you bid reserve you will have to "sit" at least 1 day, or at the end of the month they will charge your sick bank for all the R days you had ---- not just the days you would have been called for a trip
Thus, if you have Reserve, be sure to sit at least 1 day before your scheduled surgery...,or ensure you can make it back for at least one day at the end
One strategy to avoid any sick bank use is to go "first fly " while on reserve very early in the month prior to surgery --- building up your leveling -- then go sick for surgery
With enough leveling up front they will never "call you" while you're sick/recovering and you could use zero sick bank
Throwing vacation in there muddies
the water a bit
What's your goal re: vacation?
Use all your hours....or none?