I know what you mean about all of this being overwhelming, Doug. There's a lot to learn when you're diagnosed with myeloma. Fortunately, one of the main reasons that there is a lot to learn is that there are more and more treatment options for the disease.
A couple of suggestions ...
First, if you haven't done it already, please try to make arrangements to see a myeloma specialist. So far, you've probably been seen by a general oncologist or hematologist-oncologist. Although these physicians certainly mean well and may be very knowledgeable, the reality is that they probably don't see or treat many myeloma patients in any given year.
Given how quickly things are changing in the field of myeloma, you want to be seen by a specialist who focuses on myeloma and knows all about the latest developments in the field. Most major cancer centers, particularly university cancer centers, will have at least one myeloma specialist. Please see if you can make an appointment to see one soon and have your case reviewed by the specialist.
Second, you asked if anyone here has ever agreed NOT to be treated for their myeloma. I can't say that I remember that ever being the case, but there was this discussion on the subject a while ago that you may find helpful:
https://myelomabeacon.org/forum/palliative-treatment-from-the-onset-t1617.htmlPersonally, I hope you will decide to be treated, because the treatment options these days can be very effective. Yes, there are side effects, and some people experience more of them than others. In most cases, though, the "side effect" of untreated myeloma is relatively rapid disease progression to death.
Finally, if your physicians have not already arranged for it to be done, the cells from your bone marrow biopsy should be tested for chromosomal abnormalities that can be present in the cells of myeloma patients. These are as important, if not more important, than the patient's "stage" at diagnosis in giving a sense of how aggressive the patient's disease is, and the results often play an important role in treatment decisions.
Best of luck to you, and please keep us posted on what you find out and don't hesitate to ask more questions.