Everything the gals above have said. For me it comes down to the regret thing. If you fall into the one percent group (10 people in 1000) who's cancer comes back, will you curse and bewail your decision to not have chemo? If you have chemo and you are left with permanent damage, or take years to recover, will you curse and bewail your decision to have it?
It's all about knowing yourself and what you'll be comfortable with should it all go wrong.
I had the Endopredict test and was at 17% risk so it was a no brainer for me. Good luck. K xox