Welcome to our club but, sorry you have joined! For whatever it is worth your URO is following a pretty standard protocol adding that none of us are doctors. Low grade, small papillary tumors normally don't respond to BCG as well high grade tumors thus the "wait, watch and scope" suggestion. That said sometimes a patient will still do the BCG as you mentioned and you seem to understand the potential side effects. For my $$$, as BCG does involve some small risk upon each instillation such as TB, UTI's, urethra irritation and other side effects, I probably would watch and wait being a low grade, small tumor. My profile and experience is similar to yours except I had a high grade tumor. Should it come back you can always use BCG later. Please research further on this site and it might help solidify what you want to do. Come back any time an ask further questions as someone is usually lurking to help answer question. Just be sure to keep your 3 month checkups!