Farmpony, it sounds like your finger is non-displaced fracture, but with the nuckle not wanting to bend, it could have a chip at the base of the bone. Buddy tape it, and try not to move it. If the chip should cut a blood vessel, you might have a huge bruise in the finger for quite a while.
The only time they will do surgery on a finger, is if the bone is displaced and won't stay in place, after they manipulate it. Then they'll pin it. Try not to use it too much, with the buddy tape. Put a splint on it, if you're able. At least for a couple of days, depending on how long this happened. It will take 6 weeks for the bone to be to full strength again. Then purposely bend it a lot, making a fist often, so you get range of motion back. It's funny how those hurt almost more than a leg bone break. (I'm an x-ray tech, btw, and I've been in on many surgeries, and take "pictures" of finger fracture progress. This is what I've observed and learned, if you don't want to go to the orthopedic surgeon or family doctor.)
Looking at the trail through the ears of my horse...wonderful!