I'd definitely get another urologist if I were you, as soon as possible. Or, at the very least, a second opinion. The usual procedure is to do cystoscopy in the office to see what's there (if anything), and then schedule another appointment for tumor removal. It's unconscionable if the doctor didn't tell you right away after the surgery what was found; however, as Mike said in his post, due to anesthesia you might not remember exactly what is said to you immediately after you're out of the procedure, and you should have someone with you who can remember. Of course the pathology report to confirm the grade and stage comes later, and you would definitely need to meet with the doctor for followup conversation then.
I had my first tumor removal in outpatient surgery, and didn't have to go home with a catheter or bag. I might have had a catheter in briefly after the procedure, while in recovery, but with that "amnesia" anesthetic, I can't remember! The second time around, when I had a recurrence with 2 very tiny tumors, my urologist offered me the option of having the TURBT done in his office, without being put to sleep. They did give me an oral sedative to take, and local anesthesia gel was put in the bladder. My husband was allowed to stay with me, and we got to watch the whole thing on the monitor.
Looking forward to your further chapters. You're a great writer!
Ann