Wow...you have sure been on a roller coaster for the past few weeks and it seems as if you are still on it!! The "usual" protocol for low grade, non-invasive bladder cancer is exactly what your oncologist recommended. That is exams every three months. This type of cancer has a nasty little habit of coming back, which is why the frequent cystoscopy exams. Also, if there is any uncertainty at all a second TURB is often done to be sure that all the tumor was removed and that there are no other little surprises lurking. BCG is more effective with high-grade bladder cancer and is usually only used in low-grade, non-invasive cases when the cancer has returned more than once. The thinking is to save the "big gun BCG" until you "really need it."
That being said, you are not a "typical" bladder cancer patient. You are very young and your tumor was evidently quite large. A second TURB would not be unusual in your case. Is there a major teaching hospital near you? A second opinion from a urologist in such a place might settle the differences of opinion for you.
Please keep us informed of your progress and your decision, since it may help someone else in your position.
Sara Anne