You don't mention your age, or presence of any other medical issues. With this low-risk scenario, if I were in my 50s, I'd treat sooner rather than later, given there are several decades in which things might progress. OTOH, if I were in my late 70s on multiple medications, I'd keep watching, given the desire to have my remaining years free from cancer treatment side effects if possible. Whatever you decide, do it carefully, with several different expert MD opinions to help you think it through. And once committed, don't look back.

As to treatment path, it sounds like you'd rather avoid the risks and complications of surgery...