I'm on a Wait and Watch with IgM MGUS. My IgM are about half of yours. For my next biannual testing, My Oncologist/Hematologist has agreed to get the data to run this risk calculator......
https://awmrisk.com/
Because of the people involved in making the calculator, she thinks it is accurate. She has always assumed the risk categories were not standardized to a specific set of values. I'm thinking she might be wrong and this may be the standard is for IgM MGUS.