Hi @Judithm,
Choices, choices, choices. Aagghh.
From my prospective I have absolutely no regrets chosing the lumpectomy and radiation. Going this way, plus the cold cap for chemo. allowed me to look pretty normal the whole way through which was helpful no matter how I was feeling on the inside.
I believe the surgeon would have preferred I had the mastectomy but it wasn't his body and to his credit when I said no he never tried to talk me out of it. The sleepless nights and tears ar par for the course I am afraid.
I went public the whole way so all my treatment cost me zero. You should be able to switch to public for the radiation without too much drama if you decide to go that way.
Best of luck with your decision.
xoxoxo