Well put, @AllyJay - it is always a risk vs results isn't it? - and the 'what ifs'!! .....
NOW is the time to throw everything at this mongrel disease
I think my own risk of recurrence was about that 3% mark - and I was lucky not to need chemo, but I definitely had the Rads to help 'mop up' any randoms ..... cos I didn't even like that 3% risk!
Knowledge is power, @MrsMorrisey - and the $5000 will be 'well spent' if it means you don't have to have chemo xx
Take lots of Deep Breaths, try not to get ahead of yourself .... take one day at a time, one hour if needed xx. Take care