Hi @Mjames
Don't be annoyed with yourself - your focus has been on the chemo and what the medical team originally said. At least you have had time and did not make the decision way back when then regret it. @LouiseTurner has made a good point above.
As most other ladies will no doubt tell you, be guided by your medical team.
I won't say to do the lumpectomy as if you are concerned about it coming back you will probably stress about it and that won't help at all.
Mastectomy is not the end of the story as you will still need to be monitored.
Weigh up all the opinions from ladies on this site, talk to whoever you think will understand and help, then listen again to your medicos. Ask them lots of questions and don't be afraid of your decision, it is your body and your life going forward.
Whatever your decision, good luck.
Summer :-)