Hi Racha,
Good to hear from you. Sounds like you have the same dilemma that I had about chemo. I was told the same as you so opted out of chemo but then did nothing but think about it for a while.
Finally started to let it go and just get on with the reconstruction which I had 3 weeks ago now. At the same time I had a lumpectomy on the other side to remove a "harmless" lump, just to get rid of it. Turns out this has abnormal pre-cancerous cells! The darn thing was biopsied the same time as the other side so go figure! The surgeon said she only removed just the lump as it was considered safe, but if she had known this she would have taken more surrounding tissue. Far out the fun never ends. Off to see the oncologist next week but she doesn't think he will alter anything.
I wish I could help you with your decision. I know chemo is very toxic and the risks can outweigh the benefits, but it has to be something you are sure about. By the way I am 52 (just in case you were wondering).
Hang in there,
Suzie