Greybeard, once you have had the test required for you (and your doctors) to make a good decision the final decision is up to you.
Some doctors get pretty excited about talking to a patient about pending procedures. I think they have a mental image (at that time) of you helping make their next boat payment! While your in conference with them it pretty easy to follow their line of thinking, and agree to whatever they suggest. Your true decision (your gut feeling) comes to you later....as you drive home...or set in the easy chair thinking.
I'll give you an example. About two months ago is was sent to a dermatologist to check for skin cancer. That doctor noticed on my left had my little finger had a curl to it, and I could not actually straighten that finger. She said I should have it checked out because it could get worse and latter not be able to use it. So I went to a plastic surgeon. It was Dupuytren's Contracture ( a fifty dollar word that meant nothing to me) and could get more contracted like folks the severe arthritis who can use their fingers.
He asked me how long my finger had been that way. I told him I did not know. It was never a bother, probably years! He asked my wife, who was setting there, she didn't know either. He said, "Don't you ever hold hands?" trying to get an answer that would back up his urgency of doing something.
His solution was they inject the finger with something, wait two days, come back in and they straighten the finger and put it in a splint for 3 weeks. And that will PROBABLY solve the problem for the rest of my life.
He mentioned several times during the consultation my insurance would cover the procedure. He even had his asst. write down to order the injection material. He mentioned it was a costly product and they ordered it as needed.
I kinda went along with his line of thinking until I got in the truck and was driving home.
I called my Endocronologist and explained the conference discussion. Her answer was, "Can't make a well person better!"
This is the thought to keep in mind. I called and canceled everything with that dr.