You are correct in looking at all your options. Risk versus reward. I'm 68 and would rather have a productive 5-10 years than one with loads of Dr. visits and treatments. Every person is different. Still on the path of discovery. Remember you can always change your mind if you decide to take treatment and stop and not take treatment and then decide that would be your path.
I believe there are so many decisions up front it is overwhelming. The decisions have left me in tears.
You are not alone.