Sorry to hear about your situation. If you do not have cancer I would not remove the prostate. (My opinion only)
I would definitely get a second opinion. Best advice!
Maybe discuss with your urologist on having a PSMA PET to see if it will offer a better view of any potential issues. (My understanding and situation was the PET scan was able to show cancer in my prostate that was not shown up on MRI. )
They went back to the MRI and did see it but it's was very hard to see.
Their is a lot of good information here from others with options.
I would recommend putting your information into AI and ask for recommendation and questions to ask your urologist. It is a great tool for guidance but ultimately nothing can beat an experienced urologist.
Ask to speak with hospital about offering a reduced rate since you are out of pocket. No idea if it will work but you never know,
Good luck!