I was diagnosed at 37, so I feel your pain on thinking we are too young for this stuff! No cancer is great or good, but some are less terrible based on their outcomes and treatability - and this is very treatable. As you do your research you will find that there are a few types some are more aggressive than others. I was diagnosed with a fast growing or aggressive transitional cell type, which sounds bad, but it was caught at stage 0 - so there was no muscle involvement and no chance of spreading. Since Feb, I have had 4 Cystoscopies, 1 surgery, and 8 treatments and no lie, they are not comfortable - but watching friends with bowel cancer and lymphatic cancer I think my stars every night.
My health plan is with an HMO, so basically everything has been covered. I am participating in a study mainly because I want to help others. The HMO is a not-for-profit that also does a ton of research.
What ever you do, don't bury your head in the sand - that's what will kill you. Just know that every thing that happens and ever treatment only has a very short timespan for pain. It's the 2 days after surgery, the 10 minutes of the cystoscopy, the first 2 hours after BCG or the 30 seconds of "passing through the prostate." But you can work through all of it and your like, with the exception of the day or two here and there where you need recovery - this is pretty non-invasive. Don't plan on working on days where you get BCG, but days when you are having Cystoscopy it's possible to work before and after.
Josh