Gina,
I remember reading threads from you several years ago. I am sorry for the reason for you to re-post.
First, because of one recurrence, it is important to stay vigilant. However, I am not sure how your urologist knows IF what was seen in a diagnostic test (presuming x-ray or ultrasound) is absolutely a tumor much less what type or origin. It does sound like you are being referred out to a subspecialist for a biopsy so that may double as a second opinion. If you have any doubts do your search for any center of excellence and self-refer if you can. A teaching hospital or major cancer with a great bladder practice such as MD Anderson, Sloan Kettering, Cleveland Clinic, Northwestern in Chicago etc. What general area of the country do you live? Someone may have an exact suggestion of where to go. I understand insurance can sometimes cause roadblocks.
While most tumors don't grow that fast, you do want to put this to rest so yes, with COVID and the Holidays I'd move forward. Let's hope this is a false image. Please do ask away as you have more questions.