Everyone gets scared by chemo, it's the scary monster in the cancer story. But lots of us have done it, and sometimes it's not too bad. My oncologist once said, when I was questioning my last two treatments, for good reasons, that he didn't want me to ever regret that I didn't do something that might have made a difference later. 3% sounds nothing unless it's the 3% that counts. If you don't have to make an immediate decision, allow yourself some time. In the final analysis, you'll make the decision you feel right about. Best wishes whatever you decide.