Totally Confused!!!

Hi all! I am new here and would appreciate any feedback/experiences. I will try to make a long story short. Left kidney cyst has been monotored for 1 yr. A few weeks ago I had an ultrasound and a solid mass showed up as well. Had a CT scan with contrast dye and it was confirmed...Solid mass being 3.6cm in size (along with a 6cm cyst). I saw a urologist this past Monday who said she is not convinced it is a solid mass, but does not know. She said the cyst may have "bled into itself." She suggested the watch and wait method which I turned down. She then offered a biopsy. Needless to say, I am getting a second opinion. It is clear on the images that I do have a cyst because it showed up as a black cirlce. The questionable solid mass lit up because it took in the contrast dye. It is a weird, long, bean-shaped looking thing. Anyway, to my surprise, I saw my family doctor yesterday because I was totally unsettled by this urologist's response. My family doctor showed me the results from the CT scan the radiologist sent. I saw it for myself. It read.....Treat as renal cell carcenoma until proven otherwise!!!!!! My question is why would the urologist completely ingnore this AND not tell me??? They all know my family history....Dad died from cancer and his mom did as well.  His dad had cancer and so does his brother right now. My aunt died from cancer, 3 uncles had it and so did my grandmother. My family doctor said biopsies are NOT reliable because the cancer can be missed. He told me they always treat these masses as "worse case scenario" and take them out. Does that one urologist think this is a joke? Is she that young and arrogant to just act like she knows everything and leave it? My family doctor takes this more serious than she does. To me, time is of the essence. Thanks for listening and for any/all feedback. Sorry so long!!!!