Something your urologist did not do right unless the urologist had a valid reason not to do it, is that the urologist did not give intravesical chemotherapy right after the first TURBT. Below is American Urology Association guidelines for managing non-muscle-invasive bladder cancer on the subject.
AUA Guideline Statement 15
The rationale for postoperative instillation of intravesical chemotherapy includes both destruction of residual microscopic tumor at the site of TURBT and of tumor cells dispersed within the bladder. 129-131 A single postoperative instillation of intravesical chemotherapy after TURBT has been demonstrated in multiple studies to decrease tumor recurrence without effects on progression or survival. Three separate meta-analyses have reported that a single postoperative instillation of chemotherapy significantly decreases tumor recurrence between 10-15% compared to TURBT alone.
So, this makes it ambiguous to know the true cause of future recurrences. Anyway, we cannot turn the clock.
2020-08 TaLG, 2 cm, single
2021-06 Benign, 2 mm, 2 sites
2021-12 ??, 1 mm, 5 sites
2021-03 if recurrence, BCG - urologist recommendation
1. TaLG rarely changes to high grade.
2. Because BCa is so rare in younger people, they have not been many studies done for the treatment and prognosis.
3. AUA Guideline Statement 16 - In a low-risk patient, a clinician should not administer induction intravesical therapy. (Moderate Recommendation; Evidence Strength: Grade C)
4. AUA Guideline Statement 17 In an intermediate-risk patient a clinician should consider administration of a six week course of induction intravesical chemotherapy or immunotherapy. (Moderate Recommendation; Evidence Strength: Grade
5. There are several studies done to compare the efficacy and side effects between Intravesical chemotherapy and BCG. Early studies are done on mitomycin and more recent studies are done on Gemcitabine.
5.1 In terms of toxicity, a study shows Intravesical gemcitabine was associated with a trend toward better DFS (disease-free (recurrence or progression) survival) with significantly lower toxicity when compared with BCG.
5.2 In terms of efficacy, the report (2003) which compared several studies said the efficacy is about the same but BCG is better for progression-free. The study with gemcitabine shows that the DFS rate at 6 and 12 months was consistently better with gemcitabine compared to BCG (100 versus 83% and 85 versus 64%, respectively). Look at the graph in the paper. The link is given below.
In conclusion, I believe it depends upon the urologist if the urologist will recommend intravesical chemotherapy or BCG in this case. The data incline to lead to the suggestion that 6 weeks induction of Intravesical chemotherapy with Gemcitabine is a more appropriate treatment than BCG to prevent recurrence for young patients with low-grade BCa. Anyway, at least the urologist should evaluate which is a more appropriate treatment for this case.
www.auanet.org/guidelines/bladder-cancer-non-muscle-invasive-guideline
www.ncbi.nlm.nih.gov/pmc/articles/PMC5673621/
www.ncbi.nlm.nih.gov/pmc/articles/PMC4626913/ 
After the recent recurrences I would like to know your views. I have been having regular 3-month checks since initial diagnosis