BCG vs Neobladder

I'm a 47-year old female (non-smoker) who was diagnosed with bladder cancer in March 2010.  My pathology showed high grade papillary urothelial carcinoma with superficial invasion into the lamina propria.  I've gotten 3 opinions and my options are BCG therapy or cystectomy (neobladder).  I'm afraid to do the BCG therapy because of the the low cure rate and high return rate.  I know the cystectomy has a higher cure rate, but has a high rate of complications.  Does anyone have any advice for me?  I have 2 teenagers that need their Mom.   

Renee Author