Each of us has to live with our own decision. For me, I tried to think ahead to if it returned. Would I beat myself up with the thought of "If only I'd done the chemo...I might have been in that two to four percent". Percentages are tricky things, the problem being you don't know which side of the line you will fall in the future. I tend to think in "stories" to help clarify my mind. If I went into a shop and was told that all stock was to be reduced by three percent...I'd think "big deal...that's not much". In another scenario the coin flips. If a mad gunman entered a large city school with a thousand pupils and shot and killed three percent of the pupils...that would be thirty dead kids...hmmm...an awful number of children. As my final five cents worth I offer you this. Back in the day, I was a very active skydiver with well over a thousand jumps. The statistics show that only one percent of jumps end in a reserve parachute being deployed. I never left a plane, helicopter or hot air balloon without my trusty reserve. I did only ever use it once, but boy was I glad I had it.