Thanks to everyone for your replies and Merry Christmas to all!
I am not making any decisions on treatment until January, as I am going to the UK next week to visit my mum for a few days, but I think I am going to go back to my private urologist and do the bcg maintenance with him when I get back. When I went to the National Health system here, they told me that I had to choose, basically if I wanted to be "in or out", and that if I went with them I should not continue with private care- but hey, this is my body! I can take it where I want! ( Lots of foot stamping going on now, so am going to convert it into a Happy Dance and get on with preparing for Christmas!!)