You are right there are no easy answers...not any one answer fits all...it has to be a personal choice (chemo/no chemo) because it is your body, your life.
I would suggest you discuss with the doc what exact treatment is being recommended (that is which chemo) and what are the side effects (short term/long term) that might occur.
Once armed with that information you can then assess your personal situation...how it might impact your work, your life style, your finances.
The more you know the easier these tough questions get. Just remember, no matter your decision...you can't or at least shouldn't ever look back and wonder what if I had taken the other road.
Best wishes as you move forward.