excuse my ignorance, but what does rippling fur indicate? Swampy's has been a bit rippled for ages now. It may sound a bit odd, but when we were in France, Swampy had a nasty overgrooming problem (he was soaking wet, dehydrated and bald in places on his legs, from constant licking and pulling of his fur) after he had his lump removed. The vet there diagnosed a stress related disorder, put him on a short(ish) course of steroids and a calming agent and it worked.
If stress is the problem, no way do you need a vet who doesn't understand that and who rushes the home visit. Hope you can find someone else.