I don't remember whether you have had BCG or not. After a number of BCG treatments, my cysto showed "red" spots that my uro was pretty sure were irritation from the BCG. We agreed that he would do a "little bit of a biopsy" in the office...if he couldn't do it we would then go to a full TURB. He was able to get enough tissue with a sort of scraping to tell that, indeed, it was irritation and we avoided the general anesthesia, day in the hospital, etc... It was not uncomfortable. Just like the dentist says, "a little pinch."
I would emphasize that we were just confirming what he was already 99% sure of. A lot of uro's might not have done anything. If there were any question at all, this would not be the right procedure.
Sara Anne