I was Stage 2B. I had a successful Whipple and chemo at the strong urging of my surgeon. I research every possible way not to have to do chemo, but did it, and have been NED for 10 months. It worked so I'm glad I did it. But I still hate chemo. I don't know if I would do it again.
The two most helpful things I was told were "You are in the driver's seat. Whether or not you do chemotherapy is up to you. It is your choice." and "Just commit to the first treatment. You don't have to commit to all of them. Just commit to one (or 2 or 3) and then you can reevaluate. You have the right to change your mind."