I agree with @windyshores 10% is significant. I have IDC and my risk of reoccurring is 7%. If I do chemo it will lower it to MAYBE 6%. I am planning on doing the chemo bc the other option is ovarian suppression. I am 41 and premenopausal and think chemo is a better option. I am doing CMF chemo. Did they say what chemo you will have? I suggest you look up onco type scale online to get a better understanding of the risk of reoccurring range and the effectiveness of chemo. It may be clearer than what your doctor is describing.