Decisions, decisions...

I was diagnosed a month ago. I have had a lumpectomy 2 weeks ago (7.5 mm tumour removed with clear margins)and 6 lymph nodes removed (all clear). Diagnosed Stage 1 Grade 2 er+ pr+ Her 2- . All good news and my radiotherapy oncologist says " you would really need convincing" to consider chemo and books me into 20 radiotherapy treatments.  The next day I see the medical oncologist who throws me a loop and says because my Ki67 is 20% I should consider chemo but its up to me. or just go with anti-hormone treatment and radiotherapy. He was very clinical and talked about chemo being the "cherry on top". He recommended the gene test Endopredict to help make the decision. I have read so many posts on this site and don't know what to do. I don't know if I'm overthinking everything now? I have read about the long term effects/ risks with chemo. I would do it in a heart beat if he said you need to do this, but he was so casual about it... he threw so many statistics at us. My husband and I walked out with our heads spinning. We are seeing another oncologist today to get a second opinion. It's so bloody confusing.... I am sure others have been in this position as well.