Dear Jenz,
I'm sorry to see that posting and the replies has only added to your confusion. And calling the assistant being told your condition was 'just congestion' is not very helpful either...!
Ideally someone comes on after they know their pathology, there are so many types and grades of bladder cancer it can be mind boggling for a newcomer who isn't sure of the exact type. It all depends on that, but from what you're describing your uro thought it was of the most common, least threatening type, papillary tumors are mushroom-y looking.
Path reports can take a week, even ten days sometimes. The best thing to do ( I thnk) is not to go reading to many things on the web or the forum because it might hurt and not help at this point in time. That's why we have these little sections, so newcomers don't get too scared of the unknown. When the pathology is known, you are more able to focus on the area of the forum best for you and ask questions to those who have been through similar things.
Please try not to panic. Bring up your concern about the 6 vs. 3 month follow up. Since the guidelines are 3 months (in the USA- maybe it differs other places, under certain circumstances- but 3 months is very common and playing it safe, too), you could talk your uro into that if you push, I"m pretty sure. Just say "guidelines from the AUA".
Ask if there was muscle present in the specimen as that is a requirement from a good reliable biopsy.
Take care,
Wendy